Oakland County property record for 7048 Lapham, Waterford, MI 48329
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,239 sqft · built 1950 |
| Lot Size | 0.332 acres (14,462 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $240,000 (Jun 2026) |
| Tax Bill | $1,490 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Jun 2026 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | W-13-08-301-041 |
| Primary APN | W-13-08-301-041 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,239 sqft Living Area |
| 1st Floor Area | 1,179 sqft |
| Basement Area | 1,179 sqft |
| Unfinished Basement | 1,179 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Foundation Type | Raised |
| Roof Type | Gable |
| Lot Area | 14,462 sqft (0.332 acres) |
| Lot Dimensions | 90.1 ft deep x 107 ft wide |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 60 sqft |
| Deck Area | 189 sqft |
| Patio Area | 189 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 7048 LAPHAM |
|---|---|
| City | WATERFORD |
| State | MI |
| Zip | 48329-2838 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SI |
| Legal Description | T3N, R9E, SEC 8 IDEAL COUNTRY CLUB LOTS 50, 51 & 52 BLK 25 |
| Legal Range | 09E |
| Legal Township | 03N |
| Legal Section | 08 |
| Legal Subdivision | COUNTRY CLUB |
| Legal Block | 25 |
| Legal Lot Number | 50-52 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | WATERFORD |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 144301 |
7048 Lapham is owned and occupied by two individuals who bought it in June 2026.
Source: Oakland County records, as of July 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 7048 LAPHAM, WATERFORD, MI 48329-2838 |
| 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 |
|---|---|
| Jun 29, 2026 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jun 25, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Aug 27, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Feb 10, 2021 | Deed of Trust, Mortgage · Line of Credit GENISYS CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 29, 2026 · Amount on File |
| Deed Sale | Jun 29, 2026 · Amount on File |
| Prior Sale | Aug 29, 2016 · Amount on File |
| Deed Document Number | 202693106 |
| Deed Book / Page | 61322 / 735 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Jun 29, 2026 |
| Property Address | 7048 LAPHAM, WATERFORD, MI 48329-2838 |
| Document Number | 0000093106 |
| Book / Page | 61322 / 735 |
| Instrument Date | Jun 22, 2026 |
| Instrument | 202693106 |
| Transaction Type | Transfer |
| Record Updated | Jul 9, 2026 |
| Title Company | BRB TRUST TITLE AGENCY, TRUST TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $181,800.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7048 LAPHAM, WATERFORD, MI 48329-2838 |
| Document Number | 0000091984, |
|---|---|
| Date | Jun 29, 2026 |
| Instrument | 202691984 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.36% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Jun 25, 2026 |
| Property Address | 7048 LAPHAM, WATERFORD, MI 48329-2838 |
| Document Number | 0000091984 |
| Book / Page | 61318 / 547 |
| Instrument Date | Jun 22, 2026 |
| Instrument | 202691984 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | PREMIER TITLE COMPANY, PREMIER TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000091984, |
|---|---|
| Date | Jun 25, 2026 |
| Book Page | 61318/547 |
| Instrument | 202691984 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.51% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 7048 LAPHAM, WATERFORD, MI 48329-2838 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 7048 LAPHAM, WATERFORD, MI 48329-2838 |
| Document Number | 0000172079 |
|---|---|
| Date | Aug 27, 2020 |
| Book Page | 54728/391 |
| Instrument | 172079 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 7048 LAPHAM, WATERFORD, MI 48329-2838 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|---|
| Address | 7048 LAPHAM, WATERFORD, MI 48329-2838 |
| Document Number | 0000036299 |
|---|---|
| Date | Feb 10, 2021 |
| Book Page | 55668/573 |
| Instrument | 36299 |
| Name | GENISYS CU |
|---|---|
| Type | Credit Union |
| Address | AUBURN HILLS, MI 48326 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 238 Months |
| Due | Dec 18, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 7048 Lapham was $1,490 with a homeowner's exemption, down 4% from the year before.
Source: Oakland County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oakland County |
| County Subdivision | Waterford Charter Township |
| Unified School District | Waterford School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,490.00 (-40.04%) Homeowner's exemption | $117,860 | $235,720 |
| 2024 | $2,485.00 | ||
| 2023 | $88,370 | $176,740 | |
| 2021 | $2,116.00 |
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 7048 Lapham in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Nearby Flood Policies | 10 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.
Wildfire risk around 7048 Lapham is low, with 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 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WATERFORD TOWNSHIP serves 73,441 people · EPA ID MI0006910 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2021 |
| Lead | 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Jan 2023 |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 325 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 |
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