650 State St, Oxford, MI 48371 Property Records

Oakland County property record for 650 State St, Oxford, MI 48371

Property Summary

Property Type	Condominium
Details	2.5 ba · 2,764 sqft · built 2013
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on Record
Last Sale	$495,000 (Jan 2024)
Tax Bill	$10,316 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Jan 2024 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`P-04-23-302-050`

Property Details

APN / Parcel Number

Primary APN	`P-04-23-302-050`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	2,764 sqft Living Area
1st Floor Area	1,489 sqft
Basement Area	1,338 sqft
Unfinished Basement	1,338 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Colonial
Exterior Material	Wood Siding
Lot Area	14,810 sqft (0.34 acres)
Garage Area	725 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	448 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	650 STATE ST
City	OXFORD
State	MI
Zip	48371-6326
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	KV
Legal Description	T5N, R10E, SEC 23 OAKLAND COUNTY CONDOMINIUM PLAN NO 1516 THE SHORES OF WILLOW LAKE UNIT 50 L 28189 P 560 03-05-03 FR 301-001
Legal Range	10E
Legal Township	05N
Legal Section	23
Legal Subdivision	OAKLAND COUNTY CONDOMINIUM
Legal Unit	50
Jurisdiction	OAKLAND MI
Township / Civil Division	OXFORD
Census Block Group	4
Census Block	4000
Census Tract	121000

Owner

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	2 Individual Names on Record
Mailing Address	650 STATE ST, OXFORD, MI 48371-6326
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2025	Deed of Trust, Mortgage · Conventional Mortgage STAUNTON FINANCIAL INC
Jan 22, 2024	Warranty Deed, Transfer · Conventional Mortgage PREMIA MORTGAGE LLC
Jun 15, 2021	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC
May 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage MAIN STREET BANK
Aug 28, 2017	Warranty Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 22, 2024 · Amount on Record
Deed Sale	Jan 22, 2024 · Amount on Record
Prior Sale	Jun 15, 2021 · Amount on Record
Deed Document Number	20246979
Deed Book / Page	59124 / 642
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	650 STATE ST, OXFORD, MI 48371-6326
Transaction Type	Mortgage
Record Updated	Dec 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 STATE ST, OXFORD, MI 48371-6326

Mortgage

Document Number	20250152136
Date	Dec 5, 2025
Book Page	60755/392
Instrument	20250152136

Lender

Name	STAUNTON FINANCIAL INC
Type	Mortgage Company
Address	SOUTHFIELD, MI 48076

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Dec 1, 2030
Change Frequency	6 Months
Min Rate At Change	3.5%
Max Rate At Change	7.5%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.5%

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jan 22, 2024
Property Address	650 STATE ST, OXFORD, MI 48371-6326
Document Number	0000006979
Book / Page	59124 / 642
Map Reference	LB 28189 PG 560
Instrument Date	Jan 15, 2024
Instrument	6979
Transaction Type	Transfer
Record Updated	Feb 5, 2024
Title Company	ALLIANCE TITLE COMPANY, ALLIANCE TITLE OF MICHIGAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,712.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	650 STATE ST, OXFORD, MI 48371-6326

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 STATE ST, OXFORD, MI 48371-6326

Mortgage

Document Number	0059128443
Date	Jan 22, 2024
Instrument	59128/443

Lender

Name	PREMIA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jun 15, 2021
Property Address	650 STATE ST, OXFORD, MI 48371-6326
Document Number	0000151901
Book / Page	56393 / 97
Map Reference	LB 28189 PG 560
Instrument Date	May 10, 2021
Instrument	151901
Transaction Type	Transfer
Record Updated	Jul 5, 2021
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,891.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	650 STATE ST, 650, OXFORD, MI 48371-6326

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 STATE ST, OXFORD, MI 48371-6326

Mortgage

Document Number	0005639458
Date	Jun 15, 2021
Instrument	56394/58

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	650 STATE ST, OXFORD, MI 48371-6326
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000096398
Date	May 18, 2020
Book Page	54225/692
Instrument	96398

Lender

Name	MAIN STREET BANK
Type	Bank
Address	OXFORD, MI 48371

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Aug 28, 2017
Property Address	650 STATE ST, OXFORD, MI 48371-6326
Document Number	0000161523
Book / Page	51014 / 00864
Map Reference	LB 28189 PG 560
Instrument Date	Aug 24, 2017
Instrument	161523
Transaction Type	Transfer
Record Updated	Jun 29, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,924.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	650 STATE ST, 650, OXFORD, MI 48371-6326

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44645 MARIGOLD DR, STERLING HEIGHTS, MI 48314-1224

Mortgage

Document Number	0000161524
Date	Aug 28, 2017
Instrument	161524

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
County Subdivision	Oxford Charter Township
Unified School District	Oxford Area Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,316.00 (+25.7%)	$259,500 (+14.53%)	$519,000 (+14.53%)
2024	$8,207.00 (+11.27%)
2023		$226,580 (+12.4%)	$453,160 (+12.4%)
2022	$7,376.00 (+18.28%) Homeowner's exemption	$201,580	$403,160
2021	$6,236.00

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.

Flood

Source: FEMA National Flood Hazard Layer, effective December 8, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 System	OXFORD TOWNSHIP serves 10,407 people · EPA ID MI0005138
Water Source	Groundwater
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 153 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Mercury Fiber.

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