Oakland County property record for 623 Chambers St, Royal Oak, MI 48067
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,196 sqft · built 2006 |
| Lot Size | 0.092 acres (4,008 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $690,000 (Jul 2024) |
| Tax Bill | $8,917 (2025) |
| Deeds & Mortgages | Aug 2026 Sale Dec 2023 Line of Credit + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 72-25-15-382-037 |
| Primary APN | 72-25-15-382-037 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,196 sqft Living Area |
| 1st Floor Area | 961 sqft |
| Basement Area | 769 sqft |
| Unfinished Basement | 769 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,008 sqft (0.092 acres) |
| Lot Dimensions | 100 ft deep x 40 ft wide |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 58 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 623 CHAMBERS ST |
|---|---|
| City | ROYAL OAK |
| State | MI |
| Zip | 48067-1901 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ONE FAM |
| Legal Description | T1N, R11E, SEC 15 APPELT-CHAMBER'S SUB LOT 25 3-03-06 FR 028 |
| Legal Range | 11E |
| Legal Township | 01N |
| Legal Section | 15 |
| Legal Subdivision | APPELT-CHAMBERS SUB |
| Legal Lot Number | 3,25 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | ROYAL OAK |
| Census Block Group | 4 |
| Census Block | 4013 |
| Census Tract | 184200 |
623 Chambers St is owned and occupied by two individuals who bought it in July 2024.
Source: Oakland County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 623 CHAMBERS ST, ROYAL OAK, MI 48067-1901 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
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 |
|---|---|
| Aug 21, 2026 | Deed, Transfer NONE LISTED ON DOCUMENT |
| Dec 6, 2023 | Deed of Trust, Mortgage · Line of Credit GENISYS CU |
| Mar 8, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MAIN STREET BANK |
| Aug 5, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIRST SECURITIES FINANCIAL SERVICES INC |
| Jul 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST SECURITIES FINANCIAL SERVICES INC |
| Jun 1, 2018 | Warranty Deed, Transfer DEVON TITLE AGENCY |
| Mar 3, 2017 | Deed of Trust, Mortgage · Conventional Mortgage LAKEVIEW LN SERVICING |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 12, 2024 · Amount on File |
| Deed Sale | Jul 12, 2024 · Amount on File |
| Prior Sale | Jun 1, 2018 · Amount on File |
| Deed Document Number | 202478147 |
| Deed Book / Page | 59490 / 717 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Aug 21, 2026 |
| Property Address | 623 CHAMBERS ST, ROYAL OAK, MI 48067-1901 |
| Document Number | 0000125644 |
| Book / Page | 61484 / 651 |
| Instrument Date | Jun 3, 2026 |
| Instrument | 2026125644 |
| Transaction Type | Transfer |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 623 CHAMBERS ST, ROYAL OAK, MI 48067-1901 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 623 CHAMBERS ST, ROYAL OAK, MI 48067-1901 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2023 |
| Name | Verified Name |
|---|---|
| Address | 623 CHAMBERS ST, ROYAL OAK, MI 48067-1901 |
| Document Number | 0000131897 |
|---|---|
| Date | Dec 6, 2023 |
| Book Page | 59044/738 |
| Instrument | 131897 |
| Name | GENISYS CU |
|---|---|
| Type | Credit Union |
| Address | AUBURN HILLS, MI 48326 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Nov 30, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 623 CHAMBERS ST, ROYAL OAK, MI 48067-1901 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CISLO TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0000031845 |
|---|---|
| Date | Mar 8, 2019 |
| Book Page | 52632/00666 |
| Instrument | 031845 |
| Name | MAIN STREET BANK |
|---|---|
| Type | Bank |
| Address | FRANKLIN, MI 48025 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 623 CHAMBERS ST, ROYAL OAK, MI 48067-1901 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000125236 |
|---|---|
| Date | Aug 5, 2019 |
| Book Page | 53103/00807 |
| Instrument | 125236 |
| Name | FIRST SECURITIES FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Address | FRANKLIN, MI 48025 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 623 CHAMBERS ST, ROYAL OAK, MI 48067-1901 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000142228 |
|---|---|
| Date | Jul 21, 2020 |
| Book Page | 54535/662 |
| Instrument | 142228 |
| Name | FIRST SECURITIES FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Address | FRANKLIN, MI 48025 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Jun 1, 2018 |
| Property Address | 623 CHAMBERS ST, ROYAL OAK, MI 48067-1901 |
| Document Number | 0000091355 |
| Book / Page | 51866 / 00651 |
| Map Reference | LB 13 PG 8 |
| Instrument Date | May 24, 2018 |
| Instrument | 91355 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2021 |
| Title Company | DEVON TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Tax | $3,956.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 623 CHAMBERS ST, 623, ROYAL OAK, MI 48067-1901 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 617 HILLDALE DR, ROYAL OAK, MI 48067-1601 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 623 CHAMBERS ST, ROYAL OAK, MI 48067-1901 |
| Document Number | 0000045328 |
| Book / Page | 050462 / 000356 |
| Instrument Date | Mar 3, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2017 |
| Title Company | WORLDWIDE RECORDING INC |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 623 CHAMBERS ST ROYAL OAK MI 480671901, ROYAL OAK, MI 48067-1901 |
| Document Number | 0000045328 |
|---|---|
| Date | Mar 13, 2017 |
| Book Page | 050462/000356 |
| Instrument | 45328 |
| Name | LAKEVIEW LN SERVICING |
|---|---|
| Type | Funding / Finance Company |
| Address | CORAL GABLES, FL 33146 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 12, 2047 |
The 2025 property tax bill for 623 Chambers St was $8,917 with a homeowner's exemption, down 5.3% from the year before.
Source: Oakland County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oakland County |
| Municipality | Royal Oak City |
| Unified School District | Royal Oak City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,917.00 (-5.3%) Homeowner's exemption | $303,840 | $607,680 |
| 2024 | $9,416.00 |
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.
FEMA maps place 623 Chambers St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 8, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 623 Chambers St 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 | CITY OF ROYAL OAK serves 57,236 people · EPA ID MI0005830 |
|---|---|
| Water Source | Purchased surface water from SOUTHEASTERN OAKLAND CO W AUTH |
| Last State Inspection | May 2025 |
| Lead | 4 ppb (2025) 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.
Source: FCC Broadband Data Collection, based on 926 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · 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 | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
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