816 E Commerce St, Milford, MI 48381 Property Records

Oakland County property record for 816 E Commerce St, Milford, MI 48381

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,822 sqft · built 1930
Lot Size	0.723 acres (31,494 sqft)
Owner	Individual Name on Record
Last Sale	$365,000 (Feb 2023)
Tax Bill	$5,528 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Feb 2023 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`LM-16-11-176-009`

Property Details

APN / Parcel Number

Primary APN	`LM-16-11-176-009`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,822 sqft Living Area
1st Floor Area	1,193 sqft
Basement Area	839 sqft
Unfinished Basement	839 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Lot Area	31,494 sqft (0.723 acres)
Lot Dimensions	242 ft deep x 66 ft wide
Terrain	Rolling
Garage Area	1,021 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	227 sqft
Patio Area	640 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	816 E COMMERCE ST
City	MILFORD
State	MI
Zip	48381-1726
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI
Legal Description	T2N, R7E, SEC 11 ASSESSOR'S PLAT OF THE VILLAGE OF MILFORD LOT 19
Legal Range	07E
Legal Township	02N
Legal Section	11
Legal Subdivision	THE VILLAGE OF MILFORD
Legal Lot Number	19
Jurisdiction	OAKLAND MI
Township / Civil Division	MILFORD
Census Block Group	1
Census Block	1004
Census Tract	132500

Owner

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	816 E COMMERCE ST, MILFORD, MI 48381-1726
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage ZEAL CREDIT UNION
Feb 24, 2023	Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC
Oct 28, 2021	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Nov 19, 2019	Deed of Trust, Mortgage · VA Mortgage AXOS BANK
Aug 4, 2020	Deed of Trust, Mortgage · VA Mortgage AXOS BANK
Jul 6, 2018	Warranty Deed, Transfer · VA Mortgage BOFI FEDERAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 24, 2023 · Amount on Record
Deed Sale	Feb 24, 2023 · Amount on Record
Prior Sale	Jul 6, 2018 · Amount on Record
Deed Document Number	202318343
Deed Book / Page	58440 / 85
Prior Transfer Date	Oct 6, 2016
Prior Transfer Doc	0000199197
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Recording Date	Apr 17, 2026
Property Address	816 E COMMERCE ST, MILFORD, MI 48381-1726
Document Number	0000052190
Book / Page	61121 / 321
Instrument Date	Apr 10, 2026
Instrument	202652190
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	816 E COMMERCE ST, MILFORD, MI 48381-1726

Mortgage

Document Number	0000052190,
Date	Apr 17, 2026
Book Page	61121/321
Instrument	202652190

Lender

Name	ZEAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 15, 2041

Interest

Rate Type	Fixed Rate
Rate	5.5%
Initial Type	Fixed Rate
Max Rate	-1%

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Feb 24, 2023
Property Address	816 E COMMERCE ST, MILFORD, MI 48381-1726
Document Number	0000018343
Book / Page	58440 / 85
Map Reference	LB 49 PG 10&10A
Instrument Date	Feb 17, 2023
Instrument	18343
Transaction Type	Transfer
Record Updated	Mar 17, 2023
Title Company	CRISLO TITLE COMPANY, CISLO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,737.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	816 E COMMERCE ST, MILFORD, MI 48381-1726

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	491 N PONCHARTRAIN ST, WHITE LAKE, MI 48386-2849

Mortgage

Document Number	0005844087
Date	Feb 24, 2023
Instrument	58440/87

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	816 E COMMERCE ST, MILFORD, MI 48381-1726
Transaction Type	Mortgage
Record Updated	Dec 28, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	816 E COMMERCE ST, MILFORD, MI 48381-1726

Mortgage

Document Number	0000250147
Date	Oct 28, 2021
Book Page	57035/185
Instrument	250147

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	816 E COMMERCE ST, MILFORD, MI 48381-1726
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000193974
Date	Nov 19, 2019
Book Page	53519/00649
Instrument	193974

Lender

Name	AXOS BANK
Type	Bank
Address	SAN DIEGO, CA 92122

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	816 E COMMERCE ST, MILFORD, MI 48381-1726
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000152637
Date	Aug 4, 2020
Book Page	54601/166
Instrument	152637

Lender

Name	AXOS BANK
Type	Bank
Address	SAN DIEGO, CA 92122

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 1, 2050

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jul 6, 2018
Property Address	816 E COMMERCE ST, MILFORD, MI 48381-1726
Document Number	0000111937
Book / Page	51969 / 00784
Map Reference	LB 49 PG 10&10A
Instrument Date	Jun 21, 2018
Instrument	111937
Transaction Type	Transfer
Record Updated	Jun 29, 2021
Title Company	SELECT TITLE AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,528.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	816 E COMMERCE ST, 816, MILFORD, MI 48381-1726

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	816 E COMMERCE ST, MILFORD, MI 48381-1726

Mortgage

Document Number	0000111938
Date	Jul 6, 2018
Instrument	111938

Lender

Name	BOFI FEDERAL BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
County Subdivision	Milford Charter Township
Municipality	Milford Village
Unified School District	Huron Valley Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,528.00 (-10.45%) Homeowner's exemption	$185,300 (+3.6%)	$370,600 (+3.6%)
2024	$6,173.00 (+29.77%)
2023		$178,860	$357,720
2021	$4,757.00

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	None beyond ember reach

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	VILLAGE OF MILFORD serves 6,366 people · EPA ID MI0004390
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	4 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 425 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
123.NET Fiber	6,000 / 6,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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