Oakland County property record for 891 Ridgemont St, Commerce Township, MI 48382
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,340 sqft · built 1962 |
| Lot Size | 0.54 acres (23,522 sqft) |
| Owner | Individual Name on File |
| Last Sale | $296,500 (Mar 2020) |
| Tax Bill | $3,727 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Mar 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | E-17-10-332-030 |
| Primary APN | E-17-10-332-030 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 2,340 sqft Living Area |
| 1st Floor Area | 2,340 sqft |
| Basement Area | 1,900 sqft |
| Unfinished Basement | 1,900 sqft |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Lot Area | 23,522 sqft (0.54 acres) |
| Lot Dimensions | 122 ft deep x 192 ft wide |
| Deck Area | 100 sqft |
| Patio Area | 682 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 891 RIDGEMONT ST |
|---|---|
| City | COMMERCE TOWNSHIP |
| State | MI |
| Zip | 48382-3864 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LI |
| Legal Description | T2N, R8E, SEC 10 FRANK S SALTER'S MT ROYAL COUNTRY CLUB LOTS 1 & 2 BLK 27, ALSO LOTS 56 & 57 BLK 27 9-28-95 FR 002, 003 & 004 |
| Legal Range | 08E |
| Legal Township | 02N |
| Legal Section | 10 |
| Legal Subdivision | MT ROYAL COUNTRY CLUB |
| Legal Block | 27 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | COMMERCE |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 134300 |
891 Ridgemont St is owned and occupied by an individual who bought it in March 2020.
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 | Individual Name on File |
|---|---|
| Mailing Address | 891 RIDGEMONT ST, COMMERCE TOWNSHIP, MI 48382-3864 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN MUTUAL INC |
| Mar 12, 2020 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 12, 2020 · Amount on File |
| Deed Sale | Mar 12, 2020 · Amount on File |
| Prior Sale | Feb 25, 2000 |
| Deed Document Number | 202049511 |
| Deed Book / Page | 53942 / 817 |
| Prior Transfer Date | Feb 22, 2000 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 891 RIDGEMONT ST, COMMERCE TOWNSHIP, MI 48382-3864 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 891 RIDGEMONT ST, COMMERCE TOWNSHIP, MI 48382-3864 |
| Document Number | 0000197747 |
|---|---|
| Date | Sep 28, 2020 |
| Book Page | 54900/240 |
| Instrument | 197747 |
| Name | MICHIGAN MUTUAL INC |
|---|---|
| Type | Mortgage Company |
| Address | PORT HURON, MI 48060 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Mar 12, 2020 |
| Property Address | 891 RIDGEMONT ST, COMMERCE TOWNSHIP, MI 48382-3864 |
| Document Number | 0000049511 |
| Book / Page | 53942 / 817 |
| Map Reference | LB 48 PG 1,1A-1D |
| Instrument Date | Mar 6, 2020 |
| Instrument | 49511 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2021 |
| Title Company | ROSE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,549.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 891 RIDGEMONT ST, 891, COMMERCE TOWNSHIP, MI 48382-3864 |
| Name | Verified Name |
|---|---|
| Address | 891 RIDGEMONT ST, COMMERCE TOWNSHIP, MI 48382-3864 |
| Document Number | 5394200820 |
|---|---|
| Date | Mar 12, 2020 |
| Instrument | 53942/00820 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2050 |
The 2025 property tax bill for 891 Ridgemont St was $3,727 with a homeowner's exemption, down 36.2% from the year before.
Source: Oakland County assessment roll, as of February 4, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oakland County |
| County Subdivision | Commerce Charter Township |
| Unified School District | Walled Lake Consolidated Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,727.00 (-36.21%) Homeowner's exemption | $197,040 | $394,080 |
| 2024 | $5,843.00 | ||
| 2023 | $183,780 | $367,560 | |
| 2021 | $5,127.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 891 Ridgemont St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 2 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.
Wildfire risk around 891 Ridgemont St is low, with less than 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 98% of the US · lower than 95% of Michigan |
|---|---|
| Wildfire Likelihood | Under 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.
Source: FCC Broadband Data Collection, based on 341 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
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