866 Ramsgate Ln, Oxford, MI 48371 Property Records

Oakland County property record for 866 Ramsgate Ln, Oxford, MI 48371

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,699 sqft · built 1978
Lot Size	1.54 acres (67,082 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (Mar 2022)
Tax Bill	$3,074 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Dec 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`P-04-05-251-015`

Property Details

APN / Parcel Number

Primary APN	`P-04-05-251-015`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,699 sqft Living Area
1st Floor Area	1,700 sqft
Basement Area	1,700 sqft
Unfinished Basement	1,700 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Lot Area	67,082 sqft (1.54 acres)
Garage Area	1,152 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	230 sqft
Deck Area	426 sqft
Patio Area	426 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	866 RAMSGATE LN
City	OXFORD
State	MI
Zip	48371-1425
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SI
Legal Description	T5N, R10E, SEC 5 SEVEN OAKS SUB NO 1 LOT 12
Legal Range	10E
Legal Township	05N
Legal Section	05
Legal Subdivision	SEVEN OAKS SUB
Legal Lot Number	12
Jurisdiction	OAKLAND MI
Township / Civil Division	OXFORD
Census Block Group	3
Census Block	3000
Census Tract	121400

Owner

866 Ramsgate Ln is owned and occupied by two individuals who bought it in March 2022.

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 File
Mailing Address	866 RAMSGATE LN, OXFORD, MI 48371-1425
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2022	Warranty Deed, Transfer · Conventional Mortgage INDEPENDENT BANK
Dec 21, 2017	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCIAL RESOURCES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 2, 2022 · Amount on File
Deed Sale	Mar 2, 2022 · Amount on File
Prior Sale	Sep 21, 2009 · Amount on File
Deed Document Number	2022335732
Deed Book / Page	57537 / 415
Prior Transfer Date	Oct 2, 1997
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Mar 2, 2022
Property Address	866 RAMSGATE LN, OXFORD, MI 48371-1425
Document Number	0000335732
Book / Page	57537 / 415
Map Reference	LB 141 PG 6
Instrument Date	Feb 25, 2022
Instrument	335732
Transaction Type	Transfer
Record Updated	May 12, 2022
Title Company	SELECT TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	866 RAMSGATE LN, OXFORD, MI 48371-1425

Mortgage

Document Number	0057537416
Date	Mar 2, 2022
Instrument	57537/416

Lender

Name	INDEPENDENT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2052

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	866 RAMSGATE LN, OXFORD, MI 48371-1425
Transaction Type	Mortgage
Record Updated	Jun 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000233086
Date	Dec 21, 2017
Book Page	51412/00757
Instrument	233086

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 866 Ramsgate Ln was $3,074 with a homeowner's exemption, down 37.4% from the year before.

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	$3,074.00 (-37.35%) Homeowner's exemption	$155,800	$311,600
2024	$4,907.00
2023		$126,560	$253,120
2021	$3,077.00

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

FEMA maps place 866 Ramsgate Ln 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

Wildfire risk around 866 Ramsgate Ln 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 82 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Mercury Fiber, Verizon.

Nearby Properties on Ramsgate Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures