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645 Henrietta St, Birmingham, MI 48009 Property Records

Oakland County property record for 645 Henrietta St, Birmingham, MI 48009

Property Summary

Property TypeSingle Family Home
Details2 bd · 4.5 ba · 3,074 sqft · built 1990
Lot Size0.154 acres (6,708 sqft)
Owner2 Individual Names on File
Last Sale$560,000 (Sep 2014)
Tax Bill$15,828 (2025)
Deeds & MortgagesDec 2025 Transfer
Apr 2022 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN08-19-36-179-013

Property Details

APN / Parcel Number

Primary APN08-19-36-179-013

Interior

Bedrooms2 Beds
Full Baths4.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures14 Plumbing Fixtures
Total Rooms7 Rooms
Stories1 Story
Building Area3,074 sqft Living Area
1st Floor Area1,292 sqft
Basement Area1,240 sqft
Unfinished Basement1,240 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1990
Effective Year BuiltEffective 2016
Architectural StyleBungalow
Exterior MaterialAluminum/Vinyl
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area6,708 sqft (0.154 acres)
Lot Dimensions120 ft deep x 55 ft wide
Garage Area408 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area80 sqft
Patio Area447 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas
SewerMunicipal

Location & Zoning

Street Address645 HENRIETTA ST
CityBIRMINGHAM
StateMI
Zip48009-1440
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRI
Legal DescriptionT2N, R10E, SEC 36 ASSESSOR'S REPLAT OF PART OF TORREY'S, HOOD'S & SMITH ADDS LOT 98
Legal Range10E
Legal Township02N
Legal Section36
Legal SubdivisionSMITH ADD
Legal Lot Number98
JurisdictionOAKLAND MI
Township / Civil DivisionBIRMINGHAM
Census Block Group2
Census Block2011
Census Tract153200

Owner

645 Henrietta St is owned and occupied by two individuals who acquired it in December 2025.

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

Owner of Record2 Individual Names on File
Mailing Address645 HENRIETTA ST, BIRMINGHAM, MI 48009-1440
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

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

Deeds, Mortgages & Sale History

DateDocument
Dec 16, 2025Intrafamily Transfer, Transfer
Apr 4, 2022Deed of Trust, Mortgage · Conventional Mortgage
ASSOCIATED BANK NA
Jun 22, 2017Deed of Trust, Mortgage · Line of Credit
THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 29, 2014 · Amount on File
Deed SaleSep 29, 2014 · Amount on File
Deed Document Number2014188055
Deed Book / Page47451 / 502
Last Transfer DateDec 10, 2025
Transfer Doc20250158334
Record UpdatedSep 20, 2026

December 2025: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOAKLAND MI
Recording DateDec 16, 2025
Property Address645 HENRIETTA ST, BIRMINGHAM, MI 48009-1440
Document Number20250158334
Book / Page60793 / 667
Map ReferenceLB 41 PG 36
Instrument DateDec 10, 2025
Instrument20250158334
Transaction TypeTransfer
Record UpdatedDec 29, 2025

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address645 HENRIETTA ST, BIRMINGHAM, MI 48009-1440

Transferred To (Grantee/Buyer)

NameVerified Name
Address645 HENRIETTA ST, BIRMINGHAM, MI 48009-1440

April 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOAKLAND MI
Property Address645 HENRIETTA ST, BIRMINGHAM, MI 48009-1440
Transaction TypeMortgage
Record UpdatedJun 6, 2022
Title CompanyATA NATIONAL TITLE GROUP LLC, ATA NATIONAL TITLE GROUP

Transferred To (Grantee/Buyer)

NameVerified Name
Address645 HENRIETTA ST, BIRMINGHAM, MI 48009-1440

Mortgage

Document Number0000354249
DateApr 4, 2022
Book Page57644/720
Instrument354249
Lender
NameASSOCIATED BANK NA
TypeBank
AddressGREEN BAY, WI 54301
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueApr 1, 2052
Interest
Rate TypeAdjustable Rate
Rate2.87%
Type Change DateApr 1, 2032
Change FrequencyAnnually
Min Rate At Change2.75%
Max Rate At Change7.87%
Index1-Year CMT
Max Rate7.87%

June 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOAKLAND MI
Property Address645 HENRIETTA ST, BIRMINGHAM, MI 48009-1440
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000120160
DateJun 22, 2017
Book Page50793/00424
Instrument120160
Lender
NameTHE HUNTINGTON NATIONAL BANK
TypeBank
AddressCOLUMBUS, OH 43229
Agreement
TypeLine of Credit
AmountAmount on Record
Term359 Months
DueMay 19, 2047
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

The 2025 property tax bill for 645 Henrietta St was $15,828 with a homeowner's exemption, down 9.8% from the year before.

Source: Oakland County assessment roll, as of February 4, 2026

Property Jurisdictions

TypeName
StateMichigan
MunicipalityBirmingham City
CountyOakland County
Unified School DistrictBirmingham City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$15,828.00 (-9.78%) Homeowner's exemption$582,040$1,164,080
2024$17,544.00
2023$567,440$1,134,880
2021$16,053.00

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

Flood

FEMA maps place 645 Henrietta St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.

Source: FEMA National Flood Hazard Layer, effective December 8, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 in force
Nearby Flood Claims1 (2019)
Claims Outside the SFHA1 of 1
Most Recent ClaimOct 2019 · rainfall accumulation

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

The area around 645 Henrietta 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 RiskNot rated
no burnable land within ember reach

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 SystemBIRMINGHAM
serves 20,472 people · EPA ID MI0000730
Water SourcePurchased surface water from SOUTHEASTERN OAKLAND CO W AUTH
Last State InspectionJan 2025
Lead3 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureCorrosion control
Jul 2023
Monitoring and Reporting3
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 772 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · Fixed Wireless, 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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