Oakland County property record for 640 W Frank St, Birmingham, MI 48009
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4.5 ba · 3,223 sqft · built 2005 |
| Lot Size | 0.152 acres (6,621 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,500,000 (Jun 2023) |
| Tax Bill | $25,904 (2025) |
| Deeds & Mortgages | May 2023 Mortgage Jun 2023 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-19-36-151-017 |
| Primary APN | 08-19-36-151-017 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Total Rooms | 13 Rooms |
| Stories | 2 Stories |
| Building Area | 3,223 sqft Living Area |
| 1st Floor Area | 2,044 sqft |
| Basement Area | 1,527 sqft |
| Unfinished Basement | 1,527 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Brick |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 6,621 sqft (0.152 acres) |
| Lot Dimensions | 132 ft deep x 50 ft wide |
| Garage Area | 517 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 81 sqft |
| Deck Area | 18 sqft |
| Patio Area | 18 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 640 W FRANK ST |
|---|---|
| City | BIRMINGHAM |
| State | MI |
| Zip | 48009-1409 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RI |
| Legal Description | T2N, R10E, SEC 36 ARGUS ADD LOT 13 |
| Legal Range | 10E |
| Legal Township | 02N |
| Legal Section | 36 |
| Legal Subdivision | ARGUS ADD |
| Legal Lot Number | 13 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | BIRMINGHAM |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 153200 |
640 W Frank St is owned and occupied by two individuals who bought it in June 2023.
Source: Oakland County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 640 W FRANK ST, BIRMINGHAM, MI 48009-1409 |
| 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 10, 2023 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Jun 20, 2023 | Warranty Deed, Transfer CAPITOL TITLE COMPANY INC, CAPITAL TITLE INS AGCY INC |
| May 21, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIRST SECURITIES FINANCIAL SERVICES INC |
| Feb 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST SECURITIES FINANCIAL SERVICES INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 20, 2023 · Amount on File |
| Deed Sale | Jun 20, 2023 · Amount on File |
| Prior Sale | Jul 14, 2009 · Amount on File |
| Deed Document Number | 202366098 |
| Deed Book / Page | 58677 / 413 |
| Prior Transfer Date | Aug 13, 2009 |
| Prior Transfer Doc | 0000153685 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 640 W FRANK ST, BIRMINGHAM, MI 48009-1409 |
| Transaction Type | Mortgage |
| Record Updated | May 24, 2023 |
| Title Company | EVONS TITLE, DEVON TITLE |
| Name | Verified Name |
|---|---|
| Address | 326 KESWICK RD, BLOOMFIELD HILLS, MI 48304-2740 |
| Document Number | 0000051487 |
|---|---|
| Date | May 10, 2023 |
| Book Page | 58595/246 |
| Instrument | 51487 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | ELGIN, IL 60124 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Jun 20, 2023 |
| Property Address | 640 W FRANK ST, BIRMINGHAM, MI 48009-1409 |
| Document Number | 0000066098 |
| Book / Page | 58677 / 413 |
| Map Reference | LB 10 PG 34 |
| Instrument Date | May 8, 2023 |
| Instrument | 66098 |
| Transaction Type | Transfer |
| Record Updated | Jul 3, 2023 |
| Title Company | CAPITOL TITLE COMPANY INC, CAPITAL TITLE INS AGCY INC |
| Amount | Amount on Record |
|---|---|
| Tax | $11,250.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6468 AUSTIN DR, WATERFORD, MI 48327-3870 |
| Name | Verified Name |
|---|---|
| Address | 640 W FRANK ST, BIRMINGHAM, MI 48009-1409 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 640 W FRANK ST, BIRMINGHAM, MI 48009-1409 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000078612 |
|---|---|
| Date | May 21, 2019 |
| Book Page | 52847/00779 |
| Instrument | 78612 |
| 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 | Jun 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 640 W FRANK ST, BIRMINGHAM, MI 48009-1409 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Name | Verified Name |
|---|---|
| Address | 640 W FRANK ST, BIRMINGHAM, MI 48009-1409 |
| Document Number | 0000048140 |
|---|---|
| Date | Feb 23, 2021 |
| Book Page | 55758/209 |
| Instrument | 48140 |
| 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 | Mar 1, 2051 |
The 2025 property tax bill for 640 W Frank St was $25,904 with a homeowner's exemption, down 13.3% from the year before.
Source: Oakland County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| Municipality | Birmingham City |
| County | Oakland County |
| Unified School District | Birmingham City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $25,904.00 (-13.28%) Homeowner's exemption | $767,230 | $1,534,460 |
| 2024 | $29,870.00 | ||
| 2023 | $856,300 (+4.76%) | $1,712,600 (+4.76%) | |
| 2022 | $21,170.00 (-0.88%) Homeowner's exemption | $817,400 | $1,634,800 |
| 2021 | $21,357.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 640 W Frank St 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 | 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.
The area around 640 W Frank 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 | BIRMINGHAM serves 20,472 people · EPA ID MI0000730 |
|---|---|
| Water Source | Purchased surface water from SOUTHEASTERN OAKLAND CO W AUTH |
| Last State Inspection | Jan 2025 |
| Lead | 3 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Jul 2023 |
| Monitoring and Reporting | 3 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 351 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 | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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