Oakland County property record for 522 E Commerce St, Milford, MI 48381
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,715 sqft · built 1894 |
| Lot Size | 0.586 acres (25,526 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $425,000 (May 2016) |
| Tax Bill | $7,382 (2025) |
| Deeds & Mortgages | Dec 2022 Line of Credit Jun 2021 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | LM-16-11-176-003 |
| Primary APN | LM-16-11-176-003 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,715 sqft Living Area |
| 1st Floor Area | 1,473 sqft |
| Basement Area | 354 sqft |
| Unfinished Basement | 1,473 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1894 |
|---|---|
| Effective Year Built | Effective 1894 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Lot Area | 25,526 sqft (0.586 acres) |
| Lot Dimensions | 198 ft deep x 86 ft wide |
| Terrain | Rolling |
| Garage Area | 466 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 347 sqft |
| Deck Area | 1,254 sqft |
| Cooling System | None |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 522 E COMMERCE ST |
|---|---|
| City | MILFORD |
| State | MI |
| Zip | 48381-1720 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RI |
| Legal Description | T2N, R7E, SEC 11 ASSESSOR'S PLAT OF THE VILLAGE OF MILFORD LOT 25 |
| Legal Range | 07E |
| Legal Township | 02N |
| Legal Section | 11 |
| Legal Subdivision | THE VILLAGE OF MILFORD |
| Legal Lot Number | 25 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | MILFORD |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 132500 |
Source: Oakland County records · APN LM-16-11-176-003
Assessment roll updated February 4, 2026 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 522 E COMMERCE ST, MILFORD, MI 48381-1720 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 15, 2022 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| Jun 11, 2021 | Intrafamily Transfer, Transfer |
| Apr 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HIGHLANDS RESIDENTIAL MORTGAGE LTD |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 23, 2016 · Amount on Record |
| Deed Sale | May 23, 2016 · Amount on Record |
| Prior Sale | Aug 04, 1998 · Amount on Record |
| Deed Document Number | 201699988 |
| Deed Book / Page | 49395 / 186 |
| Last Transfer Date | May 26, 2021 |
| Transfer Doc | 0000147446 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 522 E COMMERCE ST, MILFORD, MI 48381-1720 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2023 |
| Name | Verified Name |
|---|---|
| Address | 522 E COMMERCE ST, MILFORD, MI 48381-1720 |
| Document Number | 0000482970 |
|---|---|
| Date | Dec 15, 2022 |
| Book Page | 58320/539 |
| Instrument | 482970 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Jun 11, 2021 |
| Property Address | 522 E COMMERCE ST, MILFORD, MI 48381-1720 |
| Document Number | 0000147446 |
| Book / Page | 56362 / 581 |
| Map Reference | LB 49 PG 10&10A |
| Instrument Date | May 26, 2021 |
| Instrument | 147446 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 522 E COMMERCE ST, MILFORD, MI 48381-1720 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 522 E COMMERCE ST, MILFORD, MI 48381-1720 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000084172 |
|---|---|
| Date | Apr 27, 2020 |
| Book Page | 54138/39 |
| Instrument | 84172 |
| Name | HIGHLANDS RESIDENTIAL MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Address | DALLAS, TX 75243 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2050 |
Source: Oakland County records · Assessment roll updated February 4, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oakland County |
| County Subdivision | Milford Charter Township |
| Municipality | Milford Village |
| Unified School District | Huron Valley Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,382.00 (-10.45%) Homeowner's exemption | $275,540 (+3.04%) | $551,080 (+3.04%) |
| 2024 | $8,243.00 (+24.67%) | ||
| 2023 | $267,400 | $534,800 | |
| 2021 | $6,612.00 |
Source: FEMA National Flood Hazard Layer as of December 8, 2024 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026
| Historic District | Within the North Milford Village Historic District listed 2000 · 266 contributing resources · NRIS 00000391 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| 123.Net Fiber | 6,000 / 6,000 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 386 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | VILLAGE OF MILFORD serves 6,366 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 4 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ. The full violation and enforcement history is in the system's EPA record.
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