640 Polvadera St, Commerce Township, MI 48382 Property Records

Oakland County property record for 640 Polvadera St, Commerce Township, MI 48382

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,615 sqft · built 1977
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on File
Tax Bill	$1,362 (2025)
Deeds & Mortgages	Jul 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`E-17-10-403-012`

Property Details

APN / Parcel Number

Primary APN	`E-17-10-403-012`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	3 Rooms
Building Area	1,615 sqft Living Area
1st Floor Area	1,231 sqft
Basement Area	410 sqft
Unfinished Basement	410 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	125 ft deep x 94 ft wide
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	28 sqft
Deck Area	90 sqft
Patio Area	90 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	640 POLVADERA ST
City	COMMERCE TOWNSHIP
State	MI
Zip	48382-3946
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SI
Legal Description	T2N, R8E, SEC 10 FRANK S SALTER'S MOUNT ROYAL COUNTRY CLUB LOTS 33 & 34 BLK 23
Legal Range	08E
Legal Township	02N
Legal Section	10
Legal Subdivision	ROYAL COUNTRY CLUB
Legal Block	23
Legal Lot Number	33-34
Legal Unit	UNT R
Jurisdiction	OAKLAND MI
Township / Civil Division	COMMERCE
Census Block Group	2
Census Block	2032
Census Tract	134300

Owner

640 Polvadera St is owned and occupied by an individual who acquired it in July 2017.

Source: Oakland County records, as of May 27, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	640 POLVADERA ST, COMMERCE TOWNSHIP, MI 48382-3946
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 12, 2017
Transfer Doc	0000135768
Record Updated	Sep 20, 2026

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	Jul 18, 2017
Property Address	640 POLVADERA ST, COMMERCE TOWNSHIP, MI 48382-3946
Document Number	0000135768
Book / Page	050875 / 000421
Instrument Date	Jul 12, 2017
Instrument	135768
Transaction Type	Transfer
Record Updated	Aug 31, 2017
Title Company	INTERSTATE TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 POLVADERA ST COMMERCE TOWNSHIP MI 483823946, COMMERCE TOWNSHIP, MI 48382-3946

Mortgage

Document Number	135769
Date	Jul 18, 2017
Book Page	050875/000423
Instrument	135769

Lender

Name	ROSS MORTGAGE CORPORATION
Address	TROY, MI 48084

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 17, 2032

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
County Subdivision	Commerce Charter Township
Unified School District	Walled Lake Consolidated Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,362.00 (-40.83%) Homeowner's exemption	$129,630 (+11.97%)	$259,260 (+11.97%)
2024	$2,302.00 (+13.51%)
2023		$115,770	$231,540
2021	$2,028.00

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

Flood

FEMA maps place 640 Polvadera St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2003.

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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2003)
Most Recent Claim	Apr 2003 · other causes

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 640 Polvadera St 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 341 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 Fixed Wireless · DSL	100 / 20