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Oakland County, Michigan

Mortgage Broker in Springfield Township, MI

Buying or refinancing in Springfield Township, from downtown Davisburg to Big Lake or a Clarkston address off Dixie Highway? Samantha compares loans from multiple wholesale lenders and reads the parcel first: which school district taxes it, what its well and septic system need, and whether a lake board or a private road agreement comes with it.

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Buying a home in Springfield Township

Springfield Township, a charter township in Oakland County, is home to about 14,784 residents in the Census Bureau's 2020 to 2024 American Community Survey (14,703 in the 2020 census) across about 35 square miles of land. Its ZIP codes also reach into Clarkston, Grand Blanc Township, Holly and Independence Township, so the parcel record, not the mailing address, shows which unit's tax rates apply. Downtown Detroit is about 37 miles southeast in a straight line.

By the numbers

Springfield Township housing and mortgage snapshot

Values move. Treat these as orientation and let us pull current figures for the address you are considering.

$385,000

Typical home value, from the market research on this page

+41%

Typical rise in taxable value the year after a home sells, 2026 Uncapping Study

4

Residential ZIP codes: 48350, 48348, 48346, 48442

What financing looks like in Springfield Township

Redfin counted about 30 sales in the Davisburg ZIP code, 48350, in the three months to September 2026, at a median near $500,000, about 10% above the same months of 2025, and the typical home spent about 22 days on the market. Thirty sales is a thin sample, so the Census estimate is the steadier guide: township owners put the median home near $384,800 across 2020 to 2024, with the middle half between about $299,700 and $498,500 (Census Reporter). At those prices most purchases are conventional loans inside the 2026 conforming limit of $832,750. FHA fits while the amount borrowed stays within Oakland County's 2026 one-unit limit of $541,287, and VA serves eligible veterans and service members. A larger house on acreage moves to a jumbo loan only when the loan itself passes the conforming limit.

In Springfield Township the land shapes a loan more than its size does. The township runs no water or sewer system, and its 2024 master plan calls private wells the most common water source, with only a few developments on central water or sanitary systems, so the appraiser and underwriter will ask about the well and the septic system, and you will want a water test and a septic evaluation of your own. The same plan counts about 25 miles of private road, and on a private road a conventional loan generally calls for a recorded agreement that says who pays for upkeep. Residential land averages one home to every 1 to 5 acres in the plan's watershed counts. The appraiser values the entire parcel, and Fannie Mae does not buy loans on agricultural properties such as farms or ranches, so a property run as a working farm needs a different plan than a house that happens to sit on ten acres.

All 473 manufactured homes in the Census count stand in one block group along East Holly Road near I-75. One on a leased site is usually titled and financed as personal property, the route our manufactured home loans page explains, so ask early how it is titled. For a first purchase, MSHDA's MI Home Loan caps the sales price at $566,355, above the recent Davisburg median, and can pair with MI 10K, a $10,000 down payment loan, repaid when you sell, refinance, pay off the mortgage or stop living in the home. Both programs have household income limits, so we check those first.

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About 1,000 Springfield Township homes with a Davisburg ZIP are in Clarkston Community Schools, and close to 300 with a Clarkston ZIP are in Holly Area Schools. The parcel sets the school tax, not the mailing address.

The market

The Springfield Township housing market

The Census Bureau's American Community Survey puts the median owner-occupied home value in Springfield Township near $384,800, across about 4,638 owner-occupied homes, with a median year built of 1989. The typical home value in Springfield Township is near $385,000. Homeowners pay a median of about $4,160 a year in property taxes, an effective rate of about 1.08% of the median value.

By ZIP code

Davisburg, Clarkston and Holly addresses

A Springfield Township home carries a Davisburg, Clarkston or Holly mailing address. In the Census Bureau's 2020 counts about 49% of the township's homes sat in Davisburg's 48350, about 47% in Clarkston's 48348 and 48346 and about 4% in Holly's 48442, plus a few dozen White Lake 48386 addresses by Indian Springs. Redfin's sale figures, for the three months to September 2026, cover each whole ZIP code, so only the Davisburg figure is mostly a Springfield Township number.

ZIP 48350 Davisburg, near $500,000

The west and middle of the township, close to three fifths of its area: downtown Davisburg, Springfield Oaks, Big, Eliza and Dixie lakes and the Shiawassee headwaters. About 93% of the ZIP's homes are in Springfield Township and the rest across the west line in Rose Township. Redfin counted about 30 sales, up about 10% on a year earlier, a sample one large house can move. Census owner median for the ZIP $371,900, typical build year 1987.

ZIP 48348 Clarkston, near $544,000

The northeast: Waumegah, Susin and Bridge lakes, Jossman Acres and the Davisburg Road streets east of I-75. Only about a fifth of this ZIP's homes are in Springfield Township and most of the rest in Independence Township, so its prices mostly describe Independence. Census owner median for the whole ZIP $444,500. About 280 Springfield homes with this Clarkston ZIP are in Holly Area Schools.

ZIP 48346 Clarkston, near $389,000

The southeast corner: Green Lake, the Shepherd's Hollow and Colombiere grounds and the streets off Big Lake Road near I-75's exit 93. About 7% of the ZIP's homes are in Springfield Township, nearly all the rest in Independence Township and the City of the Village of Clarkston. The Springfield part is Clarkston Community Schools throughout.

ZIP 48442 Holly, near $330,000

A strip along the north edge by East Holly Road and Tucker Road, about 4% of the township's homes and about 2.5% of the ZIP's, which centers on the Village of Holly. The Springfield part is Holly Area Schools throughout.

Where to look

Springfield Township neighborhoods

Waumegah Lake and north Bridge Lake Road

The northeast corner along Bridge Lake Road and South Shore Drive, around 71-acre Waumegah Lake, which has both a lake improvement board and a court-set normal level. Clarkston Community Schools, apart from about 20 homes at the far northeast edge that fall in the Brandon School District. Nearly all of the block group's 310 homes are owner-occupied, owners put the median near $474,700, and the typical build year is 1991.

Susin Lake and Jossman Acres

Between Dixie Highway and Bridge Lake Road, south of Rattalee Lake Road: 51-acre Susin Lake, which has its own lake improvement board, the Kelly Lake Drive streets, and Jossman Acres, the crossroads community at Clarridge and Cherrywood roads. Every one of the block group's 366 homes is detached. Owner median near $370,700, with a wide margin, and typical build year 1985.

Gibbs Road and the Groveland line

The north edge east of Dixie Highway, along Gibbs Road, Oak Hill Road and the Autumnglo and Westwood streets up to the Groveland Township line. Most homes here carry Clarkston 48348 addresses, yet about four in five are in Holly Area Schools. All 355 homes in the block group are detached, owners put the median near $434,300, and the typical build year is 1994.

Dixie Lake and King Road

West of Dixie Highway around 102-acre Dixie Lake, which has a lake improvement board, with King Road, Sherwood Drive and Bigelow Road. The Holly and Clarkston school districts split this block group nearly in half, so the district can change from one street to the next, and addresses are mostly Davisburg 48350 with some Clarkston 48348. Owner median near $378,300, typical build year 1980.

East Holly Road at I-75

The north end around I-75's exit 98 at East Holly Road, with the Heather Highlands golf course just east of the exit, the Tindall Road corridor, and Austin Corners where Dixie Highway reaches the Groveland line. Most of the housing is manufactured homes in communities near that line: 473 of the block group's 520 homes in the Census count, typical build year 2008, with renters outnumbering owners. The Census publishes no owner median here. Holly Area Schools, with Davisburg and Holly addresses.

The Springfield crossroads and Softwater Lake

Dixie Highway from Bridge Lake Road, where one of the township's first settlements grew around Ashael Fuller's hotel on the Detroit and Saginaw stagecoach line, south past Softwater Lake toward I-75's exit 93. Softwater Lake has a lake improvement board. The housing mix widens here: in the Softwater Lake block group about 155 homes are attached and about 180 are in buildings of five or more units. Owners put the median near $784,600 around Bridge Lake and $420,000 by Softwater Lake, both with very wide margins, so treat them as rough.

Oak Valley and Ridge Valley

East of I-75 along Davisburg Road, which crosses the freeway without an exit: the streets off Oak Valley Drive, Ridge Valley Drive, Creekwood Trail, Pebble Creek Drive and Boulder Pass. Clarkston Community Schools throughout, though about two in five homes have Davisburg addresses. Typical build year 1996, owners put the median near $482,100 with a wide margin, and about 100 homes are in buildings of five or more units.

Downtown Davisburg and Eliza Lake

The hamlet Cornelius Davis and his sons platted in 1857, centered on Davisburg and Andersonville roads, with the township offices and library at 12000 Davisburg Road beside the 514-acre Shiawassee Basin Preserve, and north along Eaton and Tindall roads to 70-acre Eliza Lake and Long Lake. Eliza Lake has a lake improvement board. Holly Area Schools throughout, with about 90 Holly 48442 addresses at the north end. All 603 homes are detached, owner median near $355,100, typical build year 1987.

Clark Road, Andersonville and Springfield Oaks

A long band from the Davisburg Mill Pond and Springfield Oaks County Park, home of the Oakland County Fair, east along Clark Road to Andersonville, settled in 1833 at Andersonville and Big Lake roads, and on to the Colombiere Center grounds and Shepherd's Hollow golf course near I-75's exit 93. The Davisburg end is in Holly Area Schools and the rest in Clarkston, with addresses split between Davisburg 48350 and Clarkston 48346. All 462 homes detached, owner median near $359,400, typical build year 1976.

Green Lake and the southeast corner

Below Big Lake Road, east of Ware Road toward the Independence Township line: Green Lake and the township's 3-acre Green Lake Park at North Bay Drive and Foster Road, Foster and Huckleberry lakes, and the Stonewood Drive streets toward the White Lake Township line. Clarkston 48346 addresses and Clarkston Community Schools throughout. All 302 homes detached, owner median near $312,700, typical build year 1977.

Big Lake and the Indian Springs edge

The south-central lakes: 197-acre Big Lake, the township's largest, with a state boat launch, plus Meyers Lake and part of Crosby Lake, along Hillsboro, Shaffer and Crosby Lake roads. South and east of them lie Indian Springs Metropark and the Michigan Nature Association's Timberland Swamp sanctuary. Big Lake has a lake improvement board. Mostly Clarkston Community Schools, with about 30 White Lake 48386 addresses by the south line. Owner median near $338,300, typical build year 1975.

Ormond Road and the Shiawassee headwaters

The southwest quarter, where the Shiawassee River begins at Shiawassee Lake near Scott and Big Lake roads and the township's farmland is concentrated around Ormond Road. Homes line Ormond, Neal and Scott roads and the High Pine, Country Lane and Scenic Valley streets. Mostly Holly Area Schools, Clarkston on the east side, and Davisburg 48350 addresses throughout. All 621 homes detached, owner median near $404,900, typical build year 1994.

Headwaters, parkland and lake boards

Three rivers begin inside the township, by its own account: the Clinton in the northeast, and the Huron and the Shiawassee near Scott and Big Lake roads in the south, the Huron draining toward Lake Erie and the Shiawassee toward Saginaw Bay. The township's 2024 master plan counts about 4,676 acres, roughly 22% of the township, in recreation and conservation use: Indian Springs Metropark along the south line, Oakland County's Springfield Oaks on Andersonville Road, more than 700 acres of township parks and preserves led by the 514-acre Shiawassee Basin Preserve, the Michigan Nature Association's 245-acre Timberland Swamp off Ware Road and state land on Davisburg Road. The township lists these on its natural areas page.

Six lakes, Big, Dixie, Eliza, Softwater, Susin and Waumegah, are on Oakland County's list of lakes with a lake improvement board. Under Michigan's inland lake law, a board's projects, such as aquatic weed control, are paid through an assessment roll on the parcels that benefit. Waumegah Lake is also on the county's list of lakes with a court-set normal level, kept through a special assessment district of the owners who benefit, backlot owners with lake access included. Ask the seller for both sets of notices before you write an offer on a lake home.

For any address you are weighing, look it up on FEMA's Flood Map Service Center. In a high-risk zone the lender requires flood insurance, and that premium joins the taxes and any lake assessment in the monthly number.

Talk with SamanthaBuying a waterfront home

Six Springfield lakes have a lake board that can bill the parcel, so its notices belong in the offer file.

Schools and commute

Schools

Clarkston Community Schools and Holly Area Schools divide Springfield Township about evenly by land, Clarkston roughly the eastern half and Holly the western, as the township's schools page puts it, and a small piece of the northeast corner belongs to the Brandon School District. Homes are not split as evenly: on the Census Bureau's district boundaries, about three in five of the township's 2020 homes were in the Clarkston district, about two in five in Holly's and about 20 in Brandon's. Clarkston runs Andersonville and Springfield Plains elementary schools inside the township, Holly runs Davisburg Elementary across Davisburg Road from the township offices, and Oakland Schools' Technical Campus Northwest is here too. Treasury's 2025 homestead totals were 31.65 mills in the Clarkston part, 33.15 in the Holly part and 36.81 in the Brandon part. Because the line ignores mailing addresses, we read the district off the parcel record.

Commute

I-75 crosses the township on a diagonal with two exits inside it: exit 93, where US-24 (Dixie Highway) ends, in the southeast part of the township, and exit 98 at East Holly Road near the north line. Dixie Highway, the old Detroit and Saginaw Turnpike, runs beside the freeway through the Springfield crossroads, southeast toward Waterford and Pontiac and northwest toward Grand Blanc. From the township offices on Davisburg Road, the Village of Holly's offices are about 7 miles away, the Village of Clarkston's about 8, Ascension Genesys Hospital in Grand Blanc about 14, Great Lakes Crossing in Auburn Hills about 15, the Oakland County government complex on Telegraph Road about 16 and Flint City Hall about 27: roughly 12, 17, 26, 25, 30 and 37 minutes outside rush hour. Bishop International Airport in Flint is about 41 minutes away, downtown Detroit about an hour and Detroit Metro Airport about 73 minutes. The township's master plan notes that most residents work outside the township, and the Census puts the average commute near 31 minutes, with about 15% working from home (Census Reporter).

Michigan property taxes

Springfield Township property taxes after you buy

The year after a Michigan home sells, its taxable value resets to half of the assessor's market value, so the seller's tax bill is not your tax bill.

In Springfield Township, our 2026 Uncapping Study found taxable value typically rises about 41% the year after a sale. On a $375,000 home, near the typical Springfield Township value, the first-year tax goes up roughly $1,740 to $1,820, depending on the school district. Most homes here are in Clarkston schools (about $1,740); Holly Area schools homes run about $1,820. Your address decides which applies. We build your payment on that post-sale number.

Looking at a Springfield Township address? Our Michigan property tax calculator finds that property's published 2025 millage and works out the tax to plan for after you buy.

How Michigan taxable value works

In Samantha's words

County alone does not tell you much. We would never say you are in a particular county so here are your taxes. It does not work like that. We need the actual property.

Three districts, one township levy

Springfield's rates beside its neighbors

Michigan Treasury's 2025 total homestead millage for each school district part of the township and for the townships around it, with the typical rise in taxable value the year after a sale from our 2026 Uncapping Study. Each mill is $100 a year on $100,000 of taxable value.

Springfield, Clarkston schools: 31.65 mills

The eastern half of the land and about three in five homes. Across Springfield Township, taxable value typically rises about 41% the year after a sale.

Springfield, Holly schools: 33.15 mills

The western half and about two in five homes, downtown Davisburg included. Holly's higher school debt levy adds about $150 a year for each $100,000 of taxable value.

Springfield, Brandon schools: 36.81 mills

A sliver of the northeast corner, about 20 homes in 2020. Brandon's school levy, split between the summer and winter bills, puts it about $516 above the Clarkston part per $100,000.

Rental or second home: 49.65 mills and up

Without the Principal Residence Exemption a parcel pays school operating mills too: 49.65 in the Clarkston part and 51.15 in the Holly part, about $1,800 more a year per $100,000 than a homestead.

Independence Township, Clarkston schools: 32.73 mills

East across the Clarkston ZIP codes, where taxable value typically rises about 35% after a sale.

Independence Township mortgage guide

Holly and Rose townships, Holly schools: 32.04 and 29.55 mills

North and west, sharing Holly Area Schools. A lower rate there meets a bigger reset at sale: taxable value typically climbs about 49% in Holly Township and 50% in Rose.

Holly mortgage guide

Before you write an offer

What to pin down on a Springfield Township house

Most of these take a phone call or a records request, and each is cheaper to learn before you sign.

  • The school district on the parcel. A Davisburg address can sit in Clarkston Community Schools and a Clarkston address in Holly Area Schools. The township assessing office (248-846-6530), whose assessor of record is Assessment Administration Services, confirms the district and the current taxable value.
  • The well and the septic system. The township provides no water, sewer or waste collection, so each house has its own. Oakland County's septic program keeps permits and inspections for 18 years, and its well and water page suggests bacteria, nitrate and nitrite samples every year. Put a well test and a septic evaluation inside the inspection period.
  • The road. Public roads belong to the Road Commission for Oakland County, but many newer developments have paved private roads and a few older private gravel roads date from before 1973, the township roads page says. On a private road, ask for the recorded maintenance agreement, which conventional lenders generally want to see.
  • Lake notices. On Big, Dixie, Eliza, Softwater, Susin or Waumegah Lake, ask what the lake board has levied and what it plans, and settle in the purchase agreement who pays an assessment already confirmed.
  • Acreage and outbuildings. Tell us about barns, pasture or a second dwelling before the appraisal is ordered. The appraiser values the whole parcel, and a property run as a farm needs a different loan than a home on acreage.
  • The bills the tax roll does not show. Trash pickup is a private contract here, and about one home in twenty heats with propane rather than utility gas, so add both to the budget.

Local resources

Check Springfield Township records yourself

The official offices behind the tax and school details on this page.

What our clients say

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★★★★★
Samantha Shelton is amazing!! She helped me get into my first home in Ferndale. The closing process was easy I was able to take care of everything without taking a day off of work. Being a first time homebuyer was stressful but she provided clear communication and true experience guidance throughout the entire process
Jeffery HolleyFebruary 2026
★★★★★
Can’t say enough great things about Samantha and her team at Align Lending! Highly recommend
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As a first-time homebuyer in Ferndale, I was unsure of some things. Samantha was awesome. She was extremely helpful and made sure I understood every part of the process.
Peter RosaAugust 2026
★★★★★
Want to shout out Samantha for the expert guidance, made my first-time homebuyer experience seamless! It exceeded expectations and was a stress free process throughout. Grateful for all your help and loving my new home in Bloomfield Hills!
MichaelJuly 2026
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Individual experiences. Results vary.

Springfield Township mortgage questions

If yours is not here, ask it on the call. There are no dumb questions.

Is a home with a Clarkston or Holly address in Springfield Township?

It can be, and the reverse catches people too. In the Census Bureau’s 2020 counts about a fifth of the homes in Clarkston’s 48348, about 7% of those in 48346 and about 2.5% of those in Holly’s 48442 were Springfield Township homes, and the Census geocoder places addresses such as 9900 Dixie Highway, Clarkston and 11450 East Holly Road, Holly inside the township. Going the other way, about 190 homes with a Davisburg 48350 address sit across the west line in Rose Township. We confirm the taxing unit on the parcel record before we build your payment.

Redfin’s median sale in the Davisburg ZIP code, 48350, was about $500,000 for the three months to September 2026, up about 10% on a year earlier, with roughly 30 sales and about 22 days on the market. Nearly all of that ZIP is Springfield Township. The Clarkston ZIP codes are mostly Independence Township, so their medians, about $544,000 in 48348 and $389,000 in 48346, say less about Springfield homes. The Census median of about $384,800 is what township owners estimated between 2020 and 2024.

Clarkston Community Schools in the eastern half, Holly Area Schools in the western half and the Brandon School District in a small northeast corner, but the line does not follow ZIP codes: about 1,000 homes with Davisburg addresses are in the Clarkston district. Michigan Treasury’s 2025 homestead totals were 31.65 mills with Clarkston, 33.15 with Holly and 36.81 with Brandon, so on $100,000 of taxable value a Holly parcel pays about $150 a year more than a Clarkston one, and a Brandon parcel about $516 more.

Most will. The township provides no water, sewer or trash service, and its 2024 master plan says private wells are the most common water source, with only a few developments on central water or sewer. Oakland County’s Health Division permits and inspects new and repaired septic systems and keeps those records for 18 years, so ask it for the file on the house. Testing a private well is up to the owner, and the county suggests bacteria, nitrate and nitrite samples every year. Put a water test and a septic evaluation inside your inspection period.

Possibly a lake board assessment, and flood insurance if the house is in FEMA’s high-risk zone. Big, Dixie, Eliza, Softwater, Susin and Waumegah lakes each have a state-designated lake improvement board, and under Michigan’s inland lake law a board’s projects are paid through an assessment roll on the parcels that benefit. Waumegah Lake also has a court-set normal level, kept by the county through a special assessment district that can include backlot owners with lake access. Ask the seller for recent notices, check the address on FEMA’s flood map, and we fold any assessment and flood premium into the monthly figure.

It adds a document. Public roads in the township belong to the Road Commission for Oakland County, but many newer developments have their own paved private roads, and the master plan counts about 25 miles of private road against about 105 miles of public road. For a home on a private road, Fannie Mae’s guidelines call for a recorded agreement or covenant that sets who pays for repairs, so ask the seller or the association for it early. Paving a public gravel road is usually a special assessment district, started by a petition from the owners of at least 51% of the frontage.

Usually, as long as it is a home first. The master plan’s land use count puts about 1,532 acres in agricultural use, a category that covers crops, nurseries, livestock and horse keeping, concentrated in the west around Ormond Road. Fannie Mae has the appraiser value the whole parcel rather than a slice of it, and it does not buy loans on agricultural properties such as farms or ranches. Tell us about outbuildings, pasture or a second dwelling at the start, so the appraisal and the loan program fit the property.

File the Principal Residence Exemption affidavit with the township’s assessing office, and note that you must own and occupy the home by June 1 to claim it for that year. Without it, a Springfield parcel pays the 18 school operating mills a homestead is spared: 49.65 mills instead of 31.65 in the Clarkston part, about $1,800 a year more per $100,000 of taxable value, and the same applies if the house becomes a rental or second home. Summer bills go out in July and are due by September 14, winter bills in December and due by February 14, and the summer bill carries about two thirds of a homestead’s tax in the Clarkston part.

Communities near Springfield Township

Oakland County overview

Guides for Springfield Township buyers

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Align Lending LLC, NMLS #2041154. Samantha Shelton, NMLS 1647301. Equal Housing Opportunity. Licensed in Michigan, Ohio, North Carolina, Florida, Louisiana and Texas. Figures on this page are market research for orientation, not a quote. This page is for educational purposes only. It is not a credit decision, a preapproval, a commitment to lend, or an offer of credit.

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