514 Decker Rd, Commerce Township (Walled Lake), MI 48390 Property Records

Oakland County property record for 514 Decker Rd, Commerce Township, MI 48390

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,202 sqft · built 1989
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on File
Last Sale	$189,000 (Apr 2014)
Tax Bill	$2,138 (2025)
Deeds & Mortgages	Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`E-17-35-251-046`

Property Details

APN / Parcel Number

Primary APN	`E-17-35-251-046`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,202 sqft Living Area
1st Floor Area	1,202 sqft
Basement Area	1,202 sqft
Unfinished Basement	1,202 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Lot Area	16,988 sqft (0.39 acres)
Lot Dimensions	160 ft deep x 105 ft wide
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	56 sqft
Deck Area	394 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	514 DECKER RD
City	WALLED LAKE
State	MI
Zip	48390-3806
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LI
Legal Description	T2N, R8E, SEC 35 PART OF NE 1/4 BEG AT PT DIST S 89-25-00 E 350 FT FROM CEN OF SEC, TH S 89-25-00 E 105 FT, TH N 160 FT, TH N 89-25-00 W 105 FT, TH S 160 FT TO BEG 0.39 A 5/19/86 FR 024
Legal Range	08E
Legal Township	02N
Legal Section	35
Jurisdiction	OAKLAND MI
Township / Civil Division	COMMERCE
Census Block Group	3
Census Block	3004
Census Tract	134800

Owner

514 Decker Rd is owned and occupied by two individuals who bought it in April 2014.

Source: Oakland County records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	514 DECKER RD, WALLED LAKE, MI 48390-3806
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2014 · Amount on File
Deed Sale	Apr 23, 2014 · Amount on File
Prior Sale	Oct 18, 2007 · Amount on File
Deed Document Number	201478740
Deed Book / Page	46981 / 748
Prior Transfer Date	May 15, 2012
Prior Transfer Doc	0000130719
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	514 DECKER RD, COMMERCE TOWNSHIP, MI 48390-3806
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 DECKER RD, COMMERCE TOWNSHIP, MI 48390-3806

Mortgage

Document Number	0000171734
Date	Aug 27, 2020
Book Page	54725/779
Instrument	171734

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Sep 1, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 514 Decker Rd was $2,138 with a homeowner's exemption, down 37.9% from the year before.

Source: Oakland County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
County Subdivision	Commerce Charter Township
Unified School District	Walled Lake Consolidated Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,138.00 (-37.92%) Homeowner's exemption	$148,830	$297,660
2024	$3,444.00
2023		$127,970	$255,940
2021	$3,022.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 514 Decker Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 8, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 514 Decker Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 91% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF WALLED LAKE serves 5,260 people · EPA ID MI0006875
Water Source	Purchased surface water from GREAT LAKES WATER AUTHORITY
Also Mapped Here	COMMERCE TOWNSHIP
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 174 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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