Oakland County property record for 964 Floyd St, Birmingham, MI 48009
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,294 sqft · built 1917 |
| Lot Size | 0.094 acres (4,095 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $312,000 (May 1999) |
| Tax Bill | $5,748 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Oct 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-19-36-255-027 |
| Primary APN | 08-19-36-255-027 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,294 sqft Living Area |
| 1st Floor Area | 754 sqft |
| Basement Area | 754 sqft |
| Unfinished Basement | 754 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1917 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 4,095 sqft (0.094 acres) |
| Lot Dimensions | 100 ft deep x 41 ft wide |
| Garage Area | 434 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 196 sqft |
| Deck Area | 74 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 964 FLOYD ST |
|---|---|
| City | BIRMINGHAM |
| State | MI |
| Zip | 48009-1766 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RI |
| Legal Description | T2N, R10E, SEC 36 LOWE'S SUB LOT 5 |
| Legal Range | 10E |
| Legal Township | 02N |
| Legal Section | 36 |
| Legal Subdivision | LOWE'S SUB |
| Legal Lot Number | 5 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | BIRMINGHAM |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 153200 |
964 Floyd St is owned and occupied by two individuals who acquired it in August 2000.
Source: Oakland County records, as of June 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 964 FLOYD ST, BIRMINGHAM, MI 48009-1766 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| May 22, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT |
| Oct 25, 2019 | Deed of Trust, Mortgage · Line of Credit TCF NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 21, 1999 · Amount on File |
| Deed Sale | May 21, 1999 · Amount on File |
| Last Transfer Date | Aug 10, 2000 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | May 22, 2026 |
| Property Address | 964 FLOYD ST, BIRMINGHAM, MI 48009-1766 |
| Document Number | 0000069389 |
| Book / Page | 61219 / 392 |
| Instrument Date | May 14, 2026 |
| Instrument | 202669389 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 964 FLOYD ST, BIRMINGHAM, MI 48009-1766 |
| Document Number | 0000069389, |
|---|---|
| Date | May 22, 2026 |
| Book Page | 61219/392 |
| Instrument | 202669389 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 964 FLOYD ST, BIRMINGHAM, MI 48009-1766 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0000178001 |
|---|---|
| Date | Oct 25, 2019 |
| Book Page | 53423/00284 |
| Instrument | 178001 |
| Name | TCF NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 23, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 964 Floyd St was $5,748 with a homeowner's exemption, down 9.8% from the year before.
Source: Oakland County assessment roll, as of January 21, 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 | $5,748.00 (-9.78%) Homeowner's exemption | $227,200 | $454,400 |
| 2024 | $6,371.00 | ||
| 2023 | $235,580 | $471,160 | |
| 2021 | $5,830.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 964 Floyd St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.
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 | 2 in force |
| Nearby Flood Claims | 1 (2019) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 2019 · rainfall accumulation |
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 964 Floyd 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 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 772 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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