Oakland County property record for 650 Polvadera St, Commerce Township, MI 48382
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,320 sqft · built 1979 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $295,000 (Apr 2025) |
| Tax Bill | $1,884 (2025) |
| Deeds & Mortgages | Apr 2025 Sale & Mortgage Apr 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | E-17-10-402-024 |
| Primary APN | E-17-10-402-024 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Building Area | 1,320 sqft Living Area |
| 1st Floor Area | 800 sqft |
| Basement Area | 320 sqft |
| Unfinished Basement | 320 sqft |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Lot Area | 13,068 sqft (0.3 acres) |
| Lot Dimensions | 127 ft deep x 104 ft wide |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 160 sqft |
| Patio Area | 160 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 650 POLVADERA ST |
|---|---|
| City | COMMERCE TOWNSHIP |
| State | MI |
| Zip | 48382-3948 |
| 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 9 & 10 BLK 24 |
| Legal Range | 08E |
| Legal Township | 02N |
| Legal Section | 10 |
| Legal Subdivision | ROYAL COUNTRY CLUB |
| Legal Block | 24 |
| Legal Lot Number | 9-10 |
| Legal Unit | UNT R |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | COMMERCE |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 134300 |
650 Polvadera St is owned and occupied by two individuals who bought it in April 2025.
Source: Oakland County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 650 POLVADERA ST, COMMERCE TOWNSHIP, MI 48382-3948 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Apr 7, 2025 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Apr 30, 2018 | Fiduciary Deed, Transfer · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 7, 2025 · Amount on File |
| Deed Sale | Apr 7, 2025 · Amount on File |
| Prior Sale | Apr 30, 2018 · Amount on File |
| Deed Document Number | 202536526 |
| Deed Book / Page | 60104 / 201 |
| Prior Transfer Date | Apr 3, 2025 |
| Prior Transfer Doc | 0000043929 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Apr 7, 2025 |
| Property Address | 650 POLVADERA ST, COMMERCE TOWNSHIP, MI 48382-3948 |
| Document Number | 0000036526 |
| Book / Page | 60104 / 201 |
| Map Reference | LB 48 PG 1A-D |
| Instrument Date | Apr 2, 2025 |
| Instrument | 36526 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,212.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 650 POLVADERA ST, COMMERCE TWP, MI 48382-3948 |
| Name | Verified Name |
|---|---|
| Address | 300 EAGLE POND DR APT 201, 201, COMMERCE TOWNSHIP, MI 48390-3061 |
| Document Number | 0060101585 |
|---|---|
| Date | Apr 7, 2025 |
| Instrument | 60101/585 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2055 |
| Document Type | Fiduciary Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Apr 30, 2018 |
| Property Address | 650 POLVADERA ST, COMMERCE TOWNSHIP, MI 48382-3948 |
| Document Number | 0000072817 |
| Book / Page | 51767 / 00734 |
| Map Reference | LB 48 PG 1-A-D |
| Instrument Date | Apr 24, 2018 |
| Instrument | 72817 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2021 |
| Title Company | CISLO TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,505.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1032 KELLEY ST, 1032, TROY, MI 48083-1857 |
| Name | Verified Name |
|---|---|
| Address | 135 LONGSPUR LN, COMMERCE TOWNSHIP, MI 48382-4043 |
| Document Number | 0000072818 |
|---|---|
| Date | Apr 30, 2018 |
| Instrument | 72818 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2048 |
The 2025 property tax bill for 650 Polvadera St was $1,884 with a homeowner's exemption, down 38.9% from the year before.
Source: Oakland County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oakland County |
| County Subdivision | Commerce Charter Township |
| Unified School District | Walled Lake Consolidated Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,884.00 (-38.89%) Homeowner's exemption | $117,240 | $234,480 |
| 2024 | $3,083.00 | ||
| 2023 | $104,050 | $208,100 | |
| 2021 | $2,712.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 650 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 risk around 650 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.
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 |
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