Oakland County property record for 865 Panorama Dr, Milford, MI 48381
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,345 sqft · built 1959 |
| Lot Size | 0.183 acres (7,971 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,932 (2025) |
| Deeds & Mortgages | Jun 2023 Mortgage Jan 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | LM-16-03-378-012 |
| Primary APN | LM-16-03-378-012 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Building Area | 1,345 sqft Living Area |
| 1st Floor Area | 747 sqft |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Architectural Style | Bi-Level |
| Exterior Material | Other |
| Roof Type | Gable |
| Lot Area | 7,971 sqft (0.183 acres) |
| Lot Dimensions | 120 ft deep x 66 ft wide |
| Terrain | Rolling |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 36 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 865 PANORAMA DR |
|---|---|
| City | MILFORD |
| State | MI |
| Zip | 48381-1555 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RI |
| Legal Description | T2N, R7E, SEC 3 FAIRVIEW HILLS SUB NO. 3 LOT 136 |
| Legal Range | 07E |
| Legal Township | 02N |
| Legal Section | 03 |
| Legal Subdivision | FAIRVIEW HILLS SUB |
| Legal Lot Number | 136 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | MILFORD |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 132700 |
865 Panorama Dr is owned and occupied by two individuals.
Source: Oakland County records, as of October 9, 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 File |
|---|---|
| Mailing Address | 865 PANORAMA DR, MILFORD, MI 48381-1555 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 2, 2023 | Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK |
| Jan 20, 2022 | Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE |
| Oct 31, 2018 | Loan Modification, Mortgage · Conventional with PMI MIDFIRST BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 865 PANORAMA DR, MILFORD, MI 48381-1555 |
| Transaction Type | Mortgage |
| Record Updated | Jun 14, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 865 PANORAMA DR, MILFORD, MI 48381-1555 |
| Document Number | 0000060116 |
|---|---|
| Date | Jun 2, 2023 |
| Book Page | 58642/865 |
| Instrument | 60116 |
| Name | MIDFIRST BANK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Jun 1, 2063 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 865 PANORAMA DR, MILFORD, MI 48381-1555 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2022 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 865 PANORAMA DR, MILFORD, MI 48381-1555 |
| Document Number | 0000299043 |
|---|---|
| Date | Jan 20, 2022 |
| Book Page | 57322/646 |
| Instrument | 299043 |
| Name | MIDLAND MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 322 Months |
| Due | Nov 1, 2048 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 865 PANORAMA DR, MILFORD, MI 48381-1555 |
| Document Number | 0000194823 |
| Instrument Date | Oct 31, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 24, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 865 PANORAMA DR MILFORD MI 483811555, MILFORD, MI 48381-1555 |
| Document Number | 0000194823 |
|---|---|
| Date | Dec 3, 2018 |
| Book Page | 052405/000243 |
| Instrument | 194823 |
| Name | MIDFIRST BK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 2, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.87% |
The 2025 property tax bill for 865 Panorama Dr was $1,932 with a homeowner's exemption, down 10.4% from the year before.
Source: Oakland County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oakland County |
| County Subdivision | Milford Charter Township |
| Municipality | Milford Village |
| Unified School District | Huron Valley Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,932.00 (-10.43%) Homeowner's exemption | $115,740 | $231,480 |
| 2024 | $2,157.00 | ||
| 2023 | $103,070 | $206,140 | |
| 2021 | $1,731.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 865 Panorama Dr in Zone X, an area of minimal flood risk.
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 risk around 865 Panorama Dr 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 | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 290 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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