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871 Spence St, Pontiac, MI 48340 Property Records

Oakland County property record for 871 Spence St, Pontiac, MI 48340

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 900 sqft · built 1920
Lot Size0.114 acres (4,966 sqft)
OwnerIndividual Name on File
Last Sale$158,000 (Feb 2024)
Tax Bill$1,529 (2025)
Deeds & MortgagesFeb 2024 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN64-14-21-257-026

Property Details

APN / Parcel Number

Primary APN64-14-21-257-026

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Total Rooms6 Rooms
Stories1 Story
Building Area900 sqft Living Area
1st Floor Area508 sqft
Basement Area508 sqft
Unfinished Basement508 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 1920
Architectural StyleColonial
Exterior MaterialWood
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area4,966 sqft (0.114 acres)
Lot Dimensions110 ft deep x 45 ft wide
Garage Area461 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchSlab
Porch Area37 sqft
Deck Area82 sqft
Patio Area82 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas
SewerMunicipal

Location & Zoning

Street Address871 SPENCE ST
CityPONTIAC
StateMI
Zip48340-3058
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRI
Legal DescriptionT3N, R10E, SEC 21 MODERN HOUSING CORP OAKLAND PARK BLOCK 4, LOT 14
Legal Range10E
Legal Township03N
Legal Section21
Legal SubdivisionPARK
Legal Block4
Legal Lot Number14
JurisdictionOAKLAND MI
Township / Civil DivisionPONTIAC
Census Block Group1
Census Block1025
Census Tract141400

Owner

871 Spence St is owned and occupied by an individual who bought it in February 2024.

Source: Oakland County records, as of May 27, 2026

Owner of RecordIndividual Name on File
Mailing Address871 SPENCE ST, PONTIAC, MI 48340-3058
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 13, 2024 · Amount on File
Deed SaleFeb 13, 2024 · Amount on File
Prior SaleNov 28, 2012 · Amount on File
Deed Document Number202414606
Deed Book / Page59164 / 55
Record UpdatedOct 29, 2026

February 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOAKLAND MI
Recording DateFeb 13, 2024
Property Address871 SPENCE ST, PONTIAC, MI 48340-3058
Document Number0000014606
Book / Page59164 / 55
Map ReferenceLB 46 PG 21
Instrument DateFeb 8, 2024
Instrument14606
Transaction TypeTransfer
Record UpdatedFeb 23, 2024
Title CompanyLIBERTY TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,185.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address757 BIRCH TREE LN, ROCHESTER HILLS, MI 48306-3306

Transferred To (Grantee/Buyer)

NameVerified Name
Address2700 SHIMMONS RD LOT 30, 30, AUBURN HILLS, MI 48326-2002

Mortgage

Document Number0000014707
DateFeb 14, 2024
Book Page59164/552
Instrument14707
Lender
NameFIRST MERCHANTS BANK
TypeBank
AddressMUNCIE, IN 47305
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueMar 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 871 Spence St was $1,529 with a homeowner's exemption, up 161.8% from the year before.

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

Property Jurisdictions

TypeName
StateMichigan
CountyOakland County
MunicipalityPontiac City
Unified School DistrictPontiac City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,529.00 (+161.82%) Homeowner's exemption$41,700$83,400
2024$584.00
2023$33,110$66,220
2021$715.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 871 Spence St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 8, 2024

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 871 Spence St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot rated
no burnable land within 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 SystemPONTIAC
serves 63,776 people · EPA ID MI0005440
Water SourcePurchased surface water from GREAT LAKES WATER AUTHORITY
Lead2 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 445 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL · Fixed Wireless in parts of the area		5,000 / 5,000
Xfinity
Cable		2,000 / 250
T-Mobile
Fixed Wireless		100 / 20

May also be available: Verizon.

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