Oakland County property record for 523 Smith Ave, Birmingham, MI 48009
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 2,807 sqft · built 2019 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $135,000 (Dec 2007) |
| Tax Bill | $15,224 (2025) |
| Deeds & Mortgages | Nov 2023 Second Mortgage Apr 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-19-36-454-021 |
| Primary APN | 08-19-36-454-021 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 3 Stories |
| Building Area | 2,807 sqft Living Area |
| 1st Floor Area | 697 sqft |
| Basement Area | 697 sqft |
| Unfinished Basement | 697 sqft |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 4,792 sqft (0.11 acres) |
| Lot Dimensions | 120 ft deep x 40 ft wide |
| Garage Area | 408 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 61 sqft |
| Deck Area | 150 sqft |
| Patio Area | 150 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 523 SMITH AVE |
|---|---|
| City | BIRMINGHAM |
| State | MI |
| Zip | 48009-4712 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RI |
| Legal Description | T2N, R10E, SEC 36 JAMES L TODD & LEINBACH-HUMPHREY'S INDIAN VILLAGE SUB LOT 37 |
| Legal Range | 10E |
| Legal Township | 02N |
| Legal Section | 36 |
| Legal Subdivision | INDIAN VILLAGE |
| Legal Lot Number | 37 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | BIRMINGHAM |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 153300 |
523 Smith Ave is owned and occupied by two individuals who acquired it in May 2016.
Source: Oakland County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 523 SMITH AVE, BIRMINGHAM, MI 48009-4712 |
| 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.
| Date | Document |
|---|---|
| Nov 22, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Apr 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage TCF NATIONAL BANK |
| Dec 6, 2018 | Deed of Trust, Mortgage · Construction Mortgage CHEMICAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 21, 2007 · Amount on File |
| Deed Sale | Dec 21, 2007 · Amount on File |
| Deed Document Number | 2007261836 |
| Deed Book / Page | 39860 / 339 |
| Last Transfer Date | May 5, 2016 |
| Transfer Doc | 0000091188 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 523 SMITH AVE, BIRMINGHAM, MI 48009-4712 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2023 |
| Name | Verified Name |
|---|---|
| Address | 523 SMITH AVE, BIRMINGHAM, MI 48009-4712 |
| Document Number | 0000127727 |
|---|---|
| Date | Nov 22, 2023 |
| Book Page | 59022/338 |
| Instrument | 127727 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Sep 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 523 SMITH AVE, BIRMINGHAM, MI 48009-4712 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2021 |
| Title Company | CRISLO TITLE COMPANY, CISLO TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 523 SMITH AVE, BIRMINGHAM, MI 48009-4712 |
| Document Number | 0000082941 |
|---|---|
| Date | Apr 1, 2021 |
| Book Page | 55988/403 |
| Instrument | 82941 |
| Name | TCF NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57106 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 523 SMITH AVE, BIRMINGHAM, MI 48009-4712 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CISLO TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0000196750 |
|---|---|
| Date | Dec 6, 2018 |
| Book Page | 52415/00629 |
| Instrument | 196750 |
| Name | CHEMICAL BANK |
|---|---|
| Type | Bank |
| Address | WYOMING, MI 49519 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.62% |
| Type Change Date | Jan 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 9.62% |
| Index | 1-Year LIBOR |
| Max Rate | 9.62% |
The 2025 property tax bill for 523 Smith Ave was $15,224 with a homeowner's exemption, down 9.8% from the year before.
Source: Oakland County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| Municipality | Birmingham City |
| County | Oakland County |
| Unified School District | Birmingham City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $15,224.00 (-9.78%) Homeowner's exemption | $540,160 | $1,080,320 |
| 2024 | $16,875.00 | ||
| 2023 | $450,190 | $900,380 | |
| 2021 | $15,411.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 523 Smith Ave 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 |
| Nearby Flood Policies | 2 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.
The area around 523 Smith Ave has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BIRMINGHAM serves 20,472 people · EPA ID MI0000730 |
|---|---|
| Water Source | Purchased surface water from SOUTHEASTERN OAKLAND CO W AUTH |
| Last State Inspection | Jan 2025 |
| Lead | 3 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Jul 2023 |
| Monitoring and Reporting | 3 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 815 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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