Oakland County property record for 647 Ruffner Ave, Birmingham, MI 48009
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,966 sqft · built 1929 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $245,000 (May 2001) |
| Tax Bill | $8,382 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Nov 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-19-36-426-048 |
| Primary APN | 08-19-36-426-048 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,966 sqft Living Area |
| 1st Floor Area | 1,023 sqft |
| Basement Area | 972 sqft |
| Unfinished Basement | 972 sqft |
| Game Room | Game Room |
| Year Built | Built 1929 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 4,792 sqft (0.11 acres) |
| Lot Dimensions | 120 ft deep x 40 ft wide |
| Garage Area | 488 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 100 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 647 RUFFNER AVE |
|---|---|
| City | BIRMINGHAM |
| State | MI |
| Zip | 48009-1722 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RI |
| Legal Description | T2N, R10E, SEC 36 LEINBACH-HUMPHREY'S WOODWARD AVE SUB LOT 1336 11/14/89 FR 045 |
| Legal Range | 10E |
| Legal Township | 02N |
| Legal Section | 36 |
| Legal Subdivision | LEINBACH-HUMPHREY'S WOODWARD AVE SUB |
| Legal Lot Number | 11,1336 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | BIRMINGHAM |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 153300 |
Source: Oakland County records, as of May 27, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 647 RUFFNER AVE, BIRMINGHAM, MI 48009-1722 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Nov 1, 2017 | Deed of Trust, Mortgage · Conventional Mortgage HANTZ BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 2, 2001 · Amount on Record |
| Deed Sale | May 2, 2001 · Amount on Record |
| Prior Sale | Oct 7, 1999 · Amount on Record |
| Last Transfer Date | Oct 14, 2003 |
| Transfer Doc | 0317700552 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 647 RUFFNER AVE, BIRMINGHAM, MI 48009-1722 |
| Transaction Type | Mortgage |
| Record Updated | Mar 29, 2021 |
| Title Company | EVONS TITLE, DEVON TITLE |
| Name | Verified Name |
|---|---|
| Address | 647 RUFFNER AVE, BIRMINGHAM, MI 48009-1722 |
| Document Number | 0000040206 |
|---|---|
| Date | Feb 16, 2021 |
| Book Page | 55692/141 |
| Instrument | 40206 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 647 RUFFNER AVE, BIRMINGHAM, MI 48009-1722 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000202784 |
|---|---|
| Date | Nov 1, 2017 |
| Book Page | 51243/00885 |
| Instrument | 202784 |
| Name | HANTZ BANK |
|---|---|
| Type | Bank |
| Address | SOUTHFIELD, MI 48034 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 1, 2037 |
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 | $8,382.00 (-9.78%) Homeowner's exemption | $293,480 (+19.18%) | $586,960 (+19.18%) |
| 2024 | $9,291.00 (+9.29%) | ||
| 2023 | $246,240 | $492,480 | |
| 2021 | $8,501.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 3 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.
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 864 locations within half a mile, as of December 31, 2025
| Provider | Max 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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