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910 Spence St, Pontiac, MI 48340 Property Records

Oakland County property record for 910 Spence St, Pontiac, MI 48340

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,240 sqft · built 1920
Lot Size0.121 acres (5,271 sqft)
Owner2 Individual Names on Record
Last Sale$192,000 (Aug 2025)
Tax Bill$3,101 (2025)
Deeds & MortgagesAug 2025 Sale & Mortgage
Feb 2023 Transfer
Flood ZoneZone X (minimal risk)
APN64-14-21-256-006

Property Details

APN / Parcel Number

Primary APN64-14-21-256-006

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms5 Rooms
Stories2 Stories
Building Area1,240 sqft Living Area
1st Floor Area639 sqft
Basement Area595 sqft
Unfinished Basement595 sqft
Game RoomGame Room
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 1920
Exterior MaterialAluminum/Vinyl
Foundation TypeRaised
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area5,271 sqft (0.121 acres)
Lot Dimensions105 ft deep x 50 ft wide
Garage Area379 sqft
Parking Spaces1 Parking Space
PorchSlab
Porch Area53 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address910 SPENCE ST
CityPONTIAC
StateMI
Zip48340-3059
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRI
Legal DescriptionT3N, R10E, SEC 21 MODERN HOUSING CORP OAKLAND PARK BLOCK 6, LOT 3
Legal Range10E
Legal Township03N
Legal Section21
Legal SubdivisionPARK
Legal Block6
Legal Lot Number3
JurisdictionOAKLAND MI
Township / Civil DivisionPONTIAC
Census Block Group1
Census Block1023
Census Tract141400

Owner

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 Record2 Individual Names on Record
Mailing Address2700 SHIMMONS RD, AUBURN HILLS, MI 48326-2000
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Aug 26, 2025Warranty Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Feb 24, 2023Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 26, 2025 · Amount on Record
Deed SaleAug 26, 2025 · Amount on Record
Prior SaleJan 17, 2025 · Amount on Record
Deed Document Number2025105800
Deed Book / Page60475 / 733
Record UpdatedOct 29, 2026

August 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOAKLAND MI
Recording DateAug 26, 2025
Property Address910 SPENCE ST, PONTIAC, MI 48340-3059
Document Number0000105800
Book / Page60475 / 733
Map ReferenceLB 46 PG 21
Instrument DateAug 18, 2025
Instrument105800
Transaction TypeTransfer
Record UpdatedDec 23, 2025
Title CompanyABSTRACT TITLE AGENCY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,440.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address9951 GREENFIELD ROAD #205205, 205205, SOUTHFIELD, MI 48076

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address2700 SHIMMONS RD, AUBURN HILLS, MI 48326-2000
InvestorPossibly a Property Investor

Mortgage

Document Number0060469545
DateAug 26, 2025
Instrument60469/545
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2055

February 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOAKLAND MI
Recording DateFeb 24, 2023
Property Address910 SPENCE ST, PONTIAC, MI 48340-3059
Document Number0000018034
Book / Page58438 / 230
Map ReferenceMB 46 PG 21
Instrument DateJan 31, 2023
Instrument18034
Transaction TypeTransfer
Record UpdatedMar 17, 2023

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address640 CROFTON ST SW, GRAND RAPIDS, MI 49503-8028

Transferred To (Grantee/Buyer)

NameVerified Name
Address640 CROFTON ST SW, GRAND RAPIDS, MI 49503-8028

Tax Assessment & Valuation

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$3,101.00 (-3.28%)$56,550 (+25.03%)$113,100 (+25.03%)
2024$3,206.00 (+417.93%)
2023$45,230$90,460
2021$619.00

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

Flood

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

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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