Oakland County property record for 966 Smith Ave, Birmingham, MI 48009
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,112 sqft · built 2003 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $795,000 (May 2024) |
| Tax Bill | $12,403 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Feb 2023 Sale & Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-19-36-480-020 |
| Primary APN | 08-19-36-480-020 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,112 sqft Living Area |
| 1st Floor Area | 1,046 sqft |
| Basement Area | 1,046 sqft |
| Finished Basement | 2,092 sqft |
| Unfinished Basement | 1,046 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 4,792 sqft (0.11 acres) |
| Lot Dimensions | 120 ft deep x 40 ft wide |
| Garage Area | 426 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 38 sqft |
| Deck Area | 80 sqft |
| Patio Area | 328 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 966 SMITH AVE |
|---|---|
| City | BIRMINGHAM |
| State | MI |
| Zip | 48009-4709 |
| 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 806 |
| Legal Range | 10E |
| Legal Township | 02N |
| Legal Section | 36 |
| Legal Subdivision | LEINBACH-HUMPHREY'S WOODWARD AVE SUB |
| Legal Lot Number | 806 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | BIRMINGHAM |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 153300 |
966 Smith Ave is owned and occupied by two individuals who bought it in May 2024.
Source: Oakland County records, as of July 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1321 KAY PKWY, ANN ARBOR, MI 48103-5220 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Man |
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 |
|---|---|
| Apr 1, 2026 | Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NATIONAL BANK |
| Feb 22, 2023 | Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU |
| Feb 23, 2022 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Jul 17, 2019 | Deed of Trust, Mortgage · Line of Credit MICHIGAN STATE UNIVERSITY FCU |
| Jul 16, 2020 | Deed of Trust, Mortgage · Line of Credit MICHIGAN STATE UNIVERSITY FCU |
| Nov 4, 2019 | Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS |
| Sep 26, 2018 | Warranty Deed, Transfer · VA Mortgage CALIBER HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 1, 2024 · Amount on File |
| Deed Sale | May 1, 2024 · Amount on File |
| Prior Sale | Feb 22, 2023 · Amount on File |
| Deed Document Number | 202448278 |
| Deed Book / Page | 59324 / 891 |
| Prior Transfer Date | Dec 31, 2007 |
| Prior Transfer Doc | 0000002459 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Apr 1, 2026 |
| Property Address | 966 SMITH AVE, BIRMINGHAM, MI 48009-4709 |
| Document Number | 20260039117 |
| Book / Page | 61068 / 635 |
| Instrument Date | Mar 25, 2026 |
| Instrument | 202639117 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 966 SMITH AVE, BIRMINGHAM, MI 48009-4709 |
| Document Number | 0000039117, |
|---|---|
| Date | Apr 1, 2026 |
| Book Page | 61068/635 |
| Instrument | 202639117 |
| Name | HUNTINGTON NATIONAL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.98% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Feb 22, 2023 |
| Property Address | 966 SMITH AVE, BIRMINGHAM, MI 48009-4709 |
| Document Number | 0000017456 |
| Book / Page | 58435 / 38 |
| Map Reference | LB 27 PG 5 |
| Instrument Date | Feb 16, 2023 |
| Instrument | 17456 |
| Transaction Type | Transfer |
| Record Updated | Mar 8, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,250.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 966 SMITH AVE, BIRMINGHAM, MI 48009-4709 |
| Name | Verified Name |
|---|---|
| Address | 966 SMITH AVE, BIRMINGHAM, MI 48009-4709 |
| Investor | Possibly a Property Investor |
| Document Number | 0000016639 |
|---|---|
| Date | Feb 17, 2023 |
| Book Page | 58431/163 |
| Instrument | 16639 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.25% |
| Type Change Date | Mar 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 7.25% |
| Max Rate | 10.2% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 966 SMITH AVE, BIRMINGHAM, MI 48009-4709 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2022 |
| Title Company | EVONS TITLE, DEVON TITLE |
| Name | Verified Name |
|---|---|
| Address | 966 SMITH AVE, BIRMINGHAM, MI 48009-4709 |
| Document Number | 0000328028 |
|---|---|
| Date | Feb 23, 2022 |
| Book Page | 57496/742 |
| Instrument | 328028 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 966 SMITH AVE, BIRMINGHAM, MI 48009-4709 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000114239 |
|---|---|
| Date | Jul 17, 2019 |
| Book Page | 53036/00529 |
| Instrument | 114239 |
| Name | MICHIGAN STATE UNIVERSITY FCU |
|---|---|
| Type | Credit Union |
| Address | EAST LANSING, MI 48823 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 966 SMITH AVE, BIRMINGHAM, MI 48009-4709 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000137807 |
|---|---|
| Date | Jul 16, 2020 |
| Book Page | 54504/37 |
| Instrument | 137807 |
| Name | MICHIGAN STATE UNIVERSITY FCU |
|---|---|
| Type | Credit Union |
| Address | EAST LANSING, MI 48823 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 966 SMITH AVE, BIRMINGHAM, MI 48009-4709 |
| Document Number | 0000191995 |
| Instrument Date | Nov 4, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 966 SMITH AVE BIRMINGHAM MI 480094709, BIRMINGHAM, MI 48009-4709 |
| Document Number | 0000191995 |
|---|---|
| Date | Nov 15, 2019 |
| Book Page | 053507/000685 |
| Instrument | 191995 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 14, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Sep 26, 2018 |
| Property Address | 966 SMITH AVE, BIRMINGHAM, MI 48009-4709 |
| Document Number | 0000159308 |
| Book / Page | 052218 / 000601 |
| Instrument Date | Sep 19, 2018 |
| Instrument | 159308 |
| Transaction Type | Transfer |
| Record Updated | Nov 1, 2018 |
| Title Company | OTHER |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,128.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3940 ROSEGLEN LN TROY MI 480842692, TROY, MI 48084-2692 |
| Document Number | 161451 |
|---|---|
| Date | Sep 26, 2018 |
| Book Page | 052230/000623 |
| Instrument | 161451 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 25, 2048 |
The 2025 property tax bill for 966 Smith Ave was $12,403 with a homeowner's exemption, down 10.3% 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 | $12,403.00 (-10.26%) Homeowner's exemption | $367,370 | $734,740 |
| 2024 | $13,821.00 | ||
| 2023 | $319,070 | $638,140 | |
| 2021 | $11,655.00 |
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 966 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 966 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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