Oakland County property record for 5441 Mill Race Way, Commerce Township, MI 48382
| Property Type | Condominium |
|---|---|
| Details | 4 bd · 2.5 ba · 2,560 sqft · built 2000 |
| Lot Size | 0.33 acres (14,375 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $250,000 (Aug 2012) |
| Tax Bill | $3,135 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Jun 2022 Second Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | E-17-03-481-003 |
| Primary APN | E-17-03-481-003 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,560 sqft Living Area |
| 1st Floor Area | 1,470 sqft |
| Basement Area | 1,035 sqft |
| Unfinished Basement | 1,035 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Lot Area | 14,375 sqft (0.33 acres) |
| Garage Area | 647 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 30 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 5441 MILL RACE WAY |
|---|---|
| City | COMMERCE TOWNSHIP |
| State | MI |
| Zip | 48382-5002 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | KI |
| Legal Description | T2N, R8E, SEC 3 OAKLAND COUNTY CONDOMINIUM PLAN NO 753 RIVER CLUB-EAST CONDOMINIUM UNIT 42 L 12443 P 508 7-21-98 FR 480-006 |
| Legal Range | 08E |
| Legal Township | 02N |
| Legal Section | 03 |
| Legal Subdivision | OAKLAND COUNTY CONDOMINIUM |
| Legal Unit | 42 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | COMMERCE |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 134000 |
5441 Mill Race Way, a condominium, is owned and occupied by two individuals who bought it in August 2012.
Source: Oakland County records, as of May 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5441 MILL RACE WAY, COMMERCE TOWNSHIP, MI 48382-5002 |
| 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 |
|---|---|
| May 13, 2026 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORPORATION |
| Jun 16, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Sep 15, 2021 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Aug 30, 2018 | Deed of Trust, Mortgage · Construction Mortgage THE HUNTINGTON NATIONAL BANK |
| Jun 28, 2018 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 23, 2012 · Amount on File |
| Deed Sale | Aug 23, 2012 · Amount on File |
| Prior Sale | Feb 23, 2009 · Amount on File |
| Deed Document Number | 2012182882 |
| Deed Book / Page | 44584 / 359 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | May 13, 2026 |
| Property Address | 5441 MILL RACE WAY, COMMERCE TOWNSHIP, MI 48382-5002 |
| Document Number | 20260065095 |
| Book / Page | 61193 / 514 |
| Instrument Date | May 6, 2026 |
| Instrument | 202665095 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 5441 MILL RACE WAY, COMMERCE TOWNSHIP, MI 48382-5002 |
| Document Number | 0000065095, |
|---|---|
| Date | May 13, 2026 |
| Book Page | 61193/514 |
| Instrument | 202665095 |
| Name | AMERISAVE MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 5441 MILL RACE WAY, COMMERCE TOWNSHIP, MI 48382-5002 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Name | Verified Name |
|---|---|
| Address | 5441 MILL RACE WAY, COMMERCE TOWNSHIP, MI 48382-5002 |
| Document Number | 0000399151 |
|---|---|
| Date | Jun 16, 2022 |
| Book Page | 57864/184 |
| Instrument | 399151 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jun 10, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 5441 MILL RACE WAY, COMMERCE TOWNSHIP, MI 48382-5002 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2021 |
| Name | Verified Name |
|---|---|
| Address | 5441 MILL RACE WAY, COMMERCE TOWNSHIP, MI 48382-5002 |
| Document Number | 0000221512 |
|---|---|
| Date | Sep 15, 2021 |
| Book Page | 56851/56 |
| Instrument | 221512 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 5441 MILL RACE WAY, COMMERCE TOWNSHIP, MI 48382-5002 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000143665 |
|---|---|
| Date | Aug 30, 2018 |
| Book Page | 52138/00143 |
| Instrument | 143665 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 12, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 5441 MILL RACE WAY, COMMERCE TOWNSHIP, MI 48382-5002 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE SOURCE |
| Name | Verified Name |
|---|
| Document Number | 0000108347 |
|---|---|
| Date | Jun 28, 2018 |
| Book Page | 51950/00289 |
| Instrument | 108347 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 342 Months |
| Due | Dec 1, 2046 |
The 2025 property tax bill for 5441 Mill Race Way was $3,135 with a homeowner's exemption, down 36.7% from the year before.
Source: Oakland County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oakland County |
| County Subdivision | Commerce Charter Township |
| Unified School District | Walled Lake Consolidated Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,135.00 (-36.69%) Homeowner's exemption | $231,550 | $463,100 |
| 2024 | $4,952.00 | ||
| 2023 | $209,520 | $419,040 | |
| 2021 | $4,336.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5441 Mill Race Way in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 9 (5% premium discount) |
| 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.
Wildfire risk around 5441 Mill Race Way 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CEDARBROOK ESTATES private · serves 1,728 people · EPA ID MI0040375 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2025 |
| Also Mapped Here | COMMERCE TOWNSHIP |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 366 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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