523 Tilmor Dr, Waterford, MI 48328 Property Records

Oakland County property record for 523 Tilmor Dr, Waterford, MI 48328

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,067 sqft · built 1957
Lot Size	0.322 acres (14,026 sqft)
Owner	2 Individual Names on File
Last Sale	$260,000 (Mar 2026)
Tax Bill	$1,081 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Aug 2025 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`W-13-26-276-002`

Property Details

APN / Parcel Number

Primary APN	`W-13-26-276-002`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,067 sqft Living Area
1st Floor Area	1,067 sqft
Basement Area	1,067 sqft
Unfinished Basement	1,067 sqft
Game Room	Game Room

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Roof Type	Hip
Lot Area	14,026 sqft (0.322 acres)
Lot Dimensions	158 ft deep x 88 ft wide
Garage Area	502 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	351 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	523 TILMOR DR
City	WATERFORD
State	MI
Zip	48328-2571
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SI
Legal Description	T3N, R9E, SEC 26 LORRAINE MANOR NO 2 LOT 150
Legal Range	09E
Legal Township	03N
Legal Section	26
Legal Subdivision	LORRAINE MANOR NO 2
Legal Lot Number	150
Jurisdiction	OAKLAND MI
Township / Civil Division	WATERFORD
Census Block Group	3
Census Block	3005
Census Tract	144701

Owner

523 Tilmor Dr is owned and occupied by two individuals who bought it in March 2026.

Source: Oakland County records, as of June 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	8345 TRENTON DR, WHITE LAKE, MI 48386-3551
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Date	Document
Feb 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL HOME MORTGAGE
Aug 15, 2025	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Mar 5, 2026	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU
May 18, 2021	Intrafamily Transfer, Transfer
Dec 10, 2019	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 5, 2026 · Amount on File
Deed Sale	Mar 5, 2026 · Amount on File
Prior Sale	Sep 30, 2010 · Amount on File
Deed Document Number	202626969
Deed Book / Page	60992 / 188
Prior Transfer Date	May 18, 2021
Prior Transfer Doc	0000128391
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	523 TILMOR DR, WATERFORD, MI 48328-2571
Transaction Type	Mortgage
Record Updated	Apr 7, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5231 TIMOR DR, WATERFORD, MI 48328

Mortgage

Document Number	0000319316
Date	Feb 14, 2022
Book Page	57445/147
Instrument	319316

Lender

Name	FIRST NATIONAL HOME MORTGAGE
Address	WATERFORD, MI 48329

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2052

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	523 TILMOR DR, WATERFORD, MI 48328-2571
Transaction Type	Mortgage
Record Updated	Apr 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	523 TILMOR DR, WATERFORD, MI 48328-2571

Mortgage

Document Number	0000101094
Date	Aug 15, 2025
Book Page	60448/613
Instrument	101094

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Sep 1, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Mar 5, 2026
Property Address	523 TILMOR DR, WATERFORD, MI 48328-2571
Document Number	20260026969
Book / Page	60992 / 188
Map Reference	LB 78 PG 14
Instrument Date	Mar 2, 2026
Instrument	20260026969
Transaction Type	Transfer
Record Updated	Apr 7, 2026
Title Company	TITLE RESOURCE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,950.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	523 TILMOR DR, WATERFORD, MI 48328-2571

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	523 TILMOR DR, WATERFORD, MI 48328-2571

Mortgage

Document Number	0060992191
Date	Mar 5, 2026
Instrument	60992/191

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.86%
Type Change Date	Apr 1, 2031
Change Frequency	Annually
Min Rate At Change	3.86%
Max Rate At Change	7.86%
Index	1-Year CMT
Max Rate	10.8%

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OAKLAND MI
Recording Date	May 18, 2021
Property Address	523 TILMOR DR, WATERFORD, MI 48328-2571
Document Number	0000128391
Book / Page	56249 / 728
Map Reference	LB 78 PG 14
Instrument Date	May 18, 2021
Instrument	128391
Transaction Type	Transfer
Record Updated	Apr 7, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	523 TILMOR DR, WATERFORD, MI 48328-2571

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	127 BLOOMER RD, ROCHESTER HILLS, MI 48307

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	523 TILMOR DR, WATERFORD, MI 48328-2571
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000207210
Date	Dec 10, 2019
Book Page	53600/00001
Instrument	207210

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 523 Tilmor Dr was $1,081 with a homeowner's exemption, down 41.1% from the year before.

Source: Oakland County assessment roll, as of February 4, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
County Subdivision	Waterford Charter Township
Unified School District	Waterford School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,081.00 (-41.06%) Homeowner's exemption	$112,950	$225,900
2024	$1,834.00
2023		$95,800	$191,600
2021	$1,566.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 523 Tilmor Dr 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	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 523 Tilmor Dr 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 99.1% of the US · lower than 98.4% 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	WATERFORD TOWNSHIP serves 73,441 people · EPA ID MI0006910
Water Source	Groundwater
Last State Inspection	Sep 2021
Lead	1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jan 2023
Monitoring and Reporting	1 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 420 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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