Oakland County property record for 788 Ruffner Ave, Birmingham, MI 48009
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,202 sqft · built 2019 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $980,000 (Oct 2023) |
| Tax Bill | $16,273 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Oct 2023 Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-19-36-428-010 |
| Primary APN | 08-19-36-428-010 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,202 sqft Living Area |
| 1st Floor Area | 797 sqft |
| Basement Area | 797 sqft |
| Unfinished Basement | 797 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| 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 | 371 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 184 sqft |
| Deck Area | 285 sqft |
| Patio Area | 285 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 788 RUFFNER AVE |
|---|---|
| City | BIRMINGHAM |
| State | MI |
| Zip | 48009-3661 |
| 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 1295 |
| Legal Range | 10E |
| Legal Township | 02N |
| Legal Section | 36 |
| Legal Subdivision | LEINBACH-HUMPHREY'S WOODWARD AVE SUB |
| Legal Lot Number | 1295 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | BIRMINGHAM |
| Census Block Group | 3 |
| Census Block | 3002 |
| 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 | 788 RUFFNER AVE, BIRMINGHAM, MI 48009-3661 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 17, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Oct 6, 2023 | Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA |
| Oct 30, 2023 | Warranty Deed, Transfer CENTURY TITLE AGENCY SERVICES, CENTURY TITLE AGENCY SVCS |
| Oct 7, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Sep 18, 2020 | Deed of Trust, Mortgage UBS BK USA |
| Jan 6, 2021 | Warranty Deed, Transfer STG |
| Jul 26, 2019 | Deed of Trust, Mortgage INNOVA INVESTMENT TECH LLC |
| Jun 13, 2018 | Warranty Deed, Transfer DEVON TITLE COMPANY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 30, 2023 · Amount on Record |
| Deed Sale | Oct 30, 2023 · Amount on Record |
| Prior Sale | Jan 6, 2021 · Amount on Record |
| Deed Document Number | 2023118727 |
| Deed Book / Page | 58974 / 199 |
| Prior Transfer Date | Apr 30, 2001 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Apr 17, 2026 |
| Property Address | 788 RUFFNER AVE, BIRMINGHAM, MI 48009-3661 |
| Document Number | 0000052094 |
| Book / Page | 61120 / 617 |
| Instrument Date | Apr 10, 2026 |
| Instrument | 202652094 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 788 RUFFNER AVE, BIRMINGHAM, MI 48009-3661 |
| Document Number | 0000052094, |
|---|---|
| Date | Apr 17, 2026 |
| Book Page | 61120/617 |
| Instrument | 202652094 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.11% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 788 RUFFNER AVE, BIRMINGHAM, MI 48009-3661 |
| Transaction Type | Mortgage |
| Record Updated | Dec 4, 2023 |
| Title Company | PREMIER TITLE COMPANY, PREMIER TITLE |
| Name | Verified Name |
|---|---|
| Address | 31985 MAYFAIR LN, BEVERLY HILLS, MI 48025-4041 |
| Document Number | 0000110073 |
|---|---|
| Date | Oct 6, 2023 |
| Book Page | 58927/119 |
| Instrument | 110073 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | MIAMISBURG, OH 45342 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Oct 30, 2023 |
| Property Address | 788 RUFFNER AVE, BIRMINGHAM, MI 48009-3661 |
| Document Number | 0000118727 |
| Book / Page | 58974 / 199 |
| Map Reference | LB 27 PG 5 |
| Instrument Date | Oct 3, 2023 |
| Instrument | 118727 |
| Transaction Type | Transfer |
| Record Updated | Dec 4, 2023 |
| Title Company | CENTURY TITLE AGENCY SERVICES, CENTURY TITLE AGENCY SVCS |
| Amount | Amount Recorded |
|---|---|
| Tax | $7,350.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 788 RUFFNER AVE, BIRMINGHAM, MI 48009-3661 |
| Name | Verified Name |
|---|---|
| Address | 788 RUFFNER AVE, BIRMINGHAM, MI 48009-3661 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Oct 7, 2020 |
| Property Address | 788 RUFFNER AVE, BIRMINGHAM, MI 48009-3661 |
| Document Number | 0000206425 |
| Book / Page | 054957 / 000873 |
| Instrument Date | Sep 18, 2020 |
| Instrument | 206425 |
| Transaction Type | Transfer |
| Record Updated | Nov 25, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 28715 GREENFIELD RD SOUTHFIELD MI 480763035, SOUTHFIELD, MI 48076-3035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 788 RUFFNER AVE, BIRMINGHAM, MI 48009-3661 |
| Document Number | 0000206426 |
| Instrument Date | Sep 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 6321 OXBOW WAY INDIANAPOLIS IN 462207109, INDIANAPOLIS, IN 46220-7109 |
| Document Number | 0000206426 |
|---|---|
| Date | Oct 7, 2020 |
| Book Page | 054957/000875 |
| Instrument | 206426 |
| Name | UBS BK USA |
|---|---|
| Type | Bank |
| Address | SALT LAKE CITY, UT 84111 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 6, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.87% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Jan 6, 2021 |
| Property Address | 788 RUFFNER AVE, BIRMINGHAM, MI 48009-3661 |
| Document Number | 0000004034 |
| Book / Page | 55452 / 795 |
| Map Reference | LB 27 PG 5 |
| Instrument Date | Sep 18, 2020 |
| Instrument | 4034 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2021 |
| Title Company | STG |
| Amount | Amount Recorded |
|---|---|
| Tax | $7,525.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 28715 GREENFIELD RD, 28715, SOUTHFIELD, MI 48076-3035 |
| Name | Verified Name |
|---|---|
| Address | 788 RUFFNER AVE, INDIANAPOLIS, IN 46220 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 788 RUFFNER AVE, BIRMINGHAM, MI 48009-3661 |
| Document Number | 0000121306 |
| Instrument Date | Jul 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 3, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 28715 GREENFIELD RD SOUTHFIELD MI 480763035, SOUTHFIELD, MI 48076-3035 |
| Document Number | 0000121306 |
|---|---|
| Date | Jul 30, 2019 |
| Book Page | 053077/000697 |
| Instrument | 121306 |
| Name | INNOVA INVESTMENT TECH LLC |
|---|---|
| Address | 520 S ALEXANDER AVE, ROYAL OAK, MI 48067-2821 |
| Amount | Amount Recorded |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Jun 13, 2018 |
| Property Address | 788 RUFFNER AVE, BIRMINGHAM, MI 48009-3661 |
| Document Number | 0000100284 |
| Book / Page | 051905 / 000359 |
| Instrument Date | Jun 8, 2018 |
| Instrument | 100284 |
| Transaction Type | Transfer |
| Record Updated | Jul 4, 2018 |
| Title Company | DEVON TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,150.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 28715 GREENFIELD RD SOUTHFIELD MI 480763035, SOUTHFIELD, MI 48076-3035 |
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 | $16,273.00 (-9.78%) Homeowner's exemption | $510,020 (+22.62%) | $1,020,040 (+22.62%) |
| 2024 | $18,037.00 (+39.56%) | ||
| 2023 | $415,930 | $831,860 | |
| 2021 | $12,924.00 |
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.
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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