628 7th St, Rochester, MI 48307 Property Records

Oakland County property record for 628 7th St, Rochester, MI 48307

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,034 sqft · built 1901
Lot Size	0.169 acres (7,362 sqft)
Owner	2 Individual Names on Record
Last Sale	$213,000 (Oct 2013)
Tax Bill	$10,819 (2025)
Deeds & Mortgages	Aug 2026 Sale Jun 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`68-15-10-451-029`

Property Details

APN / Parcel Number

Primary APN	`68-15-10-451-029`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,034 sqft Living Area
1st Floor Area	822 sqft
Basement Area	1,210 sqft
Unfinished Basement	1,210 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1901
Effective Year Built	Effective 2014
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,362 sqft (0.169 acres)
Lot Dimensions	123 ft deep x 50 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	525 sqft
Porch	Porch
Porch Area	264 sqft
Deck Area	254 sqft
Patio Area	538 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	628 7TH ST
City	ROCHESTER
State	MI
Zip	48307-1404
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI
Legal Description	T3N, R11E, SEC 10 W C CHAPMANS LUDLOW AVE SUB LOT 2 10/11/89 FR 024
Legal Range	11E
Legal Township	03N
Legal Section	10
Legal Subdivision	W C CHAPMANS LUDLOW AVE SUB
Legal Lot Number	2,10
Jurisdiction	OAKLAND MI
Township / Civil Division	ROCHESTER
Census Block Group	1
Census Block	1013
Census Tract	191100

Owner

Source: Oakland County records, as of September 4, 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 Record
Mailing Address	622 7TH ST, ROCHESTER, MI 48307-1404
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Jun 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Sep 16, 2021	Deed of Trust, Mortgage ROCKET MORTGAGE LLC
Nov 8, 2019	Deed of Trust, Mortgage · Line of Credit PNC BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2013 · Amount on Record
Deed Sale	Oct 15, 2013 · Amount on Record
Prior Sale	Jun 13, 2013 · Amount on Record
Deed Document Number	2013260880
Deed Book / Page	46440 / 746
Prior Transfer Date	Nov 1, 2011
Prior Transfer Doc	0000206483
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Aug 27, 2026
Property Address	628 7TH ST, ROCHESTER, MI 48307-1404
Document Number	0000128800
Book / Page	61503 / 231
Instrument Date	Aug 13, 2026
Instrument	2026128800
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	622 7TH ST, ROCHESTER, MI 48307-1404

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	628 7TH ST, ROCHESTER, MI 48307-1404
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000110745
Date	Jun 10, 2020
Book Page	54323/502
Instrument	110745

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2035

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	628 7TH ST, ROCHESTER, MI 48307-1404
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	628 7TH ST, ROCHESTER, MI 48307-1404

Mortgage

Document Number	0000222455
Date	Sep 16, 2021
Book Page	56857/536
Instrument	222455

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Amount	Amount Recorded
Term	121 Months
Due	Oct 1, 2031

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	628 7TH ST, ROCHESTER, MI 48307-1404
Document Number	0000205888
Instrument Date	Nov 8, 2019
Transaction Type	Mortgage
Record Updated	Feb 7, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	622 7TH ST ROCHESTER MI 483071404, ROCHESTER, MI 48307-1404

Mortgage

Document Number	0000205888
Date	Dec 9, 2019
Book Page	053592/000194
Instrument	205888

Lender

Name	PNC BK
Type	Bank
Address	ROCHESTER HILLS, MI 48309

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Oakland County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
Municipality	Rochester City
Unified School District	Rochester Community School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,819.00 (-8.45%) Homeowner's exemption	$476,220 (+13.07%)	$952,440 (+13.07%)
2024	$11,817.00 (+17.42%)
2023		$421,190	$842,380
2021	$10,064.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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	Direct burnable vegetation

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	ROCHESTER serves 7,130 people · EPA ID MI0005720
Water Source	Groundwater
Last State Inspection	May 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 456 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50

May also be available: T-Mobile, Verizon.

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