Land-Contract Analyzer · Private Sale

The Theron Murray House

30943 Halsted Rd, Farmington Hills, MI 48331 · Greek Revival, c.1833 · Local Historic Site #6 · on Minnow Pond

Owner asking$1,650,000
TermsLand Contract
Redfin Est.$853K
Builtc.1833
Size3,888 sq ft
Lot2.75 ac
Bed / Bath6 / 5
Taxes$8,797 → uncaps
OwnerLavigne, 17 yrs
Contract Price$1,650,000
Down Payment$330,000
Land Contract Rate6.00%
Amortization20 yrs
BalloonNone
Primary residence (homestead)
 
 
01

Why it has to be a land contract

The owner's opening number is $1,650,000 — well above the ~$853K Redfin estimate — and he'll carry a land contract. That pairing is the whole point: at roughly 2× the automated value, a bank won't lend, so a land contract (the seller keeps legal title until you pay it off) is essentially the only way this closes. Adjust the terms above.

Option A
All Cash
Why not a bank
Conventional Loan
02

Your monthly, all-in

Show yearly amortization (land contract)
YearPaymentPrincipalInterestBalanceEquity
03

Risks & notes

01

What it really costs

Two things dominate a deal at this price: the premium you're paying over any independent valuation, and the property-tax uncapping the year after you buy. Numbers update live with the controls above.

02

The tax-uncapping shock

Michigan's Proposal A caps taxable value while an owner holds, then resets it to the State Equalized Value the year after a sale. The Lavignes' taxable value is far below market after 17 years; yours won't be.

Michigan assesses at 50% of a home's true cash value (market), not your contract price — so paying above market does not proportionally raise taxes. This model caps the post-sale assessment near the top of the home's market range (~$491K SEV) rather than 50% of an above-market price. Verify with the City of Farmington Hills Assessor before relying on it.

03

The appraisal gap is the real risk

On $/sqft against ordinary 48331 homes this looks expensive — but it isn't a $/sqft house (2.75 acres, a pond, three historic structures, a state landmark). The harder problem is the gap between the contract price and what any lender will value it at.

01

The case to the owner

Mr. Lavigne has named $1,650,000 and is open to a land contract. He's owned the estate since 2008 and likely holds it free and clear — so he can carry the paper cleanly, keep legal title until payoff, and turn an illiquid landmark into income. Here's how that compares to listing it the traditional way.

If he lists it
Traditional Sale
02

The pitch

03

Structuring the land contract

A Greek Revival pioneer homestead raised from hand-hewn poplar and wooden pegs around 1833 — one of the oldest standing structures in Farmington Hills, and the only landmark of its kind quietly hidden inside a 1980s subdivision.

In 1831, Oakland County pioneers Theron and Rebecca Murray bought eighty acres from the U.S. government — a federal land patent that included this site. Around 1835 they raised a Greek Revival house and a barn of hand-hewn poplar beams joined with wooden pegs. Nearly two centuries later, both still stand.

From 1942 to 1958, owner Charles W. Malpass also held a forty-acre pasture directly across Halsted Road and used it as a landing strip for private planes. He nicknamed the house "Upson Downs."

"This Greek Revival house and the barn, constructed around 1835, were built of hand-hewn poplar beams with wooden pegs."
— Michigan State historical marker, erected 1989

Today the estate sits on the surviving 2.75-acre core of that original farm — a wooded island ringed by the Country Ridge subdivision (built ~1987). It is a formally designated landmark: Historic Site #6 in the City of Farmington Hills, established by Ordinance C‑1‑2009 under Michigan's Local Historic Districts Act.

Minnow Pond

The pond at the estate's edge is itself historically marked. A 1983 marker records a glacial valley some 12,000 years old and a Potawatomi camping ground of centuries past — stone tools and artifacts found nearby, an 1817 map showing an Indian trail around the water, and the local legend of "The Potawatomi Curtain." Halsted Road here flooded for over a century until a 2018 reconstruction (an APWA Project-of-the-Year) finally tamed it; the parcel's own flood risk now rates a 1 of 10.

Property of Record

NameTheron Murray House
Builtc.1833 (Greek Revival)
Main house3,088 sf · 4 bd / 4 ba
Guest house800 sf · 2 bd / 1 ba
Outbuildings3-story barn · 972 sf garage
Lot2.75 ac · 227 × 484 ft · pond
Parcel22-23-06-277-001
SchoolsWalled Lake Consolidated
OwnerEugene J. Lavigne Rev. Trust
DesignationLocal Historic Site #6
State markerErected 1989 · HMDB #163778
01

A price that never held

For two decades the open market never validated this home near today's ask. That history is the buyer's strongest anchor in any land-contract negotiation.

02

A protected landmark

As Historic Site #6, the exterior is governed by the Farmington Hills Historic District Commission. This is a real, working process — not a plaque.