Oakland County property record for 951 Smith Ave, Birmingham, MI 48009
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 3,098 sqft · built 2005 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,140,000 (Mar 2026) |
| Tax Bill | $15,376 (2025) |
| Deeds & Mortgages | Mar 2026 Sale & Mortgage Jul 2021 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-19-36-478-039 |
| Primary APN | 08-19-36-478-039 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 3 Half Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,098 sqft Living Area |
| 1st Floor Area | 1,444 sqft |
| Basement Area | 1,079 sqft |
| Finished Basement | 1,079 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Roof Type | Gable/Hip |
| Lot Area | 4,792 sqft (0.11 acres) |
| Lot Dimensions | 120 ft deep x 40 ft wide |
| Garage Area | 365 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 90 sqft |
| Deck Area | 16 sqft |
| Patio Area | 16 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 951 SMITH AVE |
|---|---|
| City | BIRMINGHAM |
| State | MI |
| Zip | 48009-4707 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RI |
| Legal Description | T2N, R10E, SEC 36 LEINBACH-HUMPHREY'S WOODWARD AVE SUB LOT 875 |
| Legal Range | 10E |
| Legal Township | 02N |
| Legal Section | 36 |
| Legal Subdivision | LEINBACH-HUMPHREY'S WOODWARD AVE SUB |
| Legal Lot Number | 875 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | BIRMINGHAM |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 153300 |
951 Smith Ave is owned and occupied by two individuals who bought it in March 2026.
Source: Oakland County records, as of June 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 18730 W 92ND DR, ARVADA, CO 80007-7778 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 5, 2026 | Warranty Deed, Transfer · Conventional Mortgage FIRST SECURITIES FINANCIAL SERVICES |
| Jul 12, 2021 | Warranty Deed, Transfer · Conventional Mortgage STAUNTON FINANCIAL INC |
| Jun 28, 2017 | Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA |
| Mar 4, 2019 | Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA |
| Sep 24, 2018 | Deed of Trust, Mortgage · Line of Credit MICHIGAN FIRST CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 5, 2026 · Amount on File |
| Deed Sale | Mar 5, 2026 · Amount on File |
| Prior Sale | Jul 12, 2021 · Amount on File |
| Deed Document Number | 202627074 |
| Deed Book / Page | 60992 / 829 |
| Prior Transfer Date | May 20, 2005 |
| Prior Transfer Doc | 0000181147 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Mar 5, 2026 |
| Property Address | 951 SMITH AVE, BIRMINGHAM, MI 48009-4707 |
| Document Number | 20260027074 |
| Book / Page | 60992 / 829 |
| Map Reference | LB 27 PG 5 |
| Instrument Date | Feb 20, 2026 |
| Instrument | 20260027074 |
| Transaction Type | Transfer |
| Record Updated | Apr 7, 2026 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,550.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 27 WICKATUCK DR, SAG HARBOR, NY 11963-2347 |
| Name | Verified Name |
|---|---|
| Address | 18730 W 92ND DR, ARVADA, CO 80007-7778 |
| Document Number | 0060973687 |
|---|---|
| Date | Mar 5, 2026 |
| Instrument | 60973/687 |
| Name | FIRST SECURITIES FINANCIAL SERVICES |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 1, 2041 |
| Document Number | 20260023941 |
|---|---|
| Date | Feb 26, 2026 |
| Book Page | 60973/687 |
| Instrument | 20260023941 |
| Name | FIRST SECURITIES FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Address | FRANKLIN, MI 48025 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Mar 1, 2041 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Jul 12, 2021 |
| Property Address | 951 SMITH AVE, BIRMINGHAM, MI 48009-4707 |
| Document Number | 0000173138 |
| Book / Page | 56532 / 820 |
| Map Reference | LB 27 PG 5 |
| Instrument Date | Jul 7, 2021 |
| Instrument | 173138 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2021 |
| Title Company | CAPITAL TITLE INS AGCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $7,593.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1222 PENNIMAN AVE, 1222, PLYMOUTH, MI 48170-1147 |
| Name | Verified Name |
|---|---|
| Address | 951 SMITH AVE, BIRMINGHAM, MI 48009-4707 |
| Document Number | 0000175156 |
|---|---|
| Date | Jul 14, 2021 |
| Book Page | 56545/876 |
| Instrument | 175156 |
| Name | STAUNTON FINANCIAL INC |
|---|---|
| Type | Non-Lending Institution |
| Address | SOUTHFIELD, MI 48075 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.87% |
| Type Change Date | Jul 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 7.87% |
| Index | 1-Year CMT |
| Max Rate | 7.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 951 SMITH AVE, BIRMINGHAM, MI 48009-4707 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000123996 |
|---|---|
| Date | Jun 28, 2017 |
| Book Page | 50812/00818 |
| Instrument | 123996 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 420 Months |
| Due | Jun 15, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 951 SMITH AVE, BIRMINGHAM, MI 48009-4707 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000029271 |
|---|---|
| Date | Mar 4, 2019 |
| Book Page | 52618/00666 |
| Instrument | 029271 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 951 SMITH AVE, BIRMINGHAM, MI 48009-4707 |
| Document Number | 0000174601 |
| Instrument Date | Sep 24, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 951 SMITH AVE BIRMINGHAM MI 480094707, BIRMINGHAM, MI 48009-4707 |
| Document Number | 0000174601 |
|---|---|
| Date | Oct 24, 2018 |
| Book Page | 052300/000137 |
| Instrument | 174601 |
| Name | MICHIGAN FIRST CU |
|---|---|
| Type | Credit Union |
| Address | LATHROP VILLAGE, MI 48076 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Oct 23, 2038 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 951 Smith Ave was $15,376 with a homeowner's exemption, down 9.8% from the year before.
Source: Oakland County assessment roll, as of February 4, 2026
| Type | Name |
|---|---|
| State | Michigan |
| Municipality | Birmingham City |
| County | Oakland County |
| Unified School District | Birmingham City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $15,376.00 (-9.78%) Homeowner's exemption | $501,430 | $1,002,860 |
| 2024 | $17,043.00 | ||
| 2023 | $420,700 | $841,400 | |
| 2021 | $16,768.00 |
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.
FEMA maps place 951 Smith Ave in Zone X, an area of minimal flood risk.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 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.
The area around 951 Smith Ave 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 Risk | Not rated no burnable land within ember reach |
|---|
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 | BIRMINGHAM serves 20,472 people · EPA ID MI0000730 |
|---|---|
| Water Source | Purchased surface water from SOUTHEASTERN OAKLAND CO W AUTH |
| Last State Inspection | Jan 2025 |
| Lead | 3 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Jul 2023 |
| Monitoring and Reporting | 3 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 815 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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