10712 Pine Bluff Ave, Whitmore Lake, MI 48189 Property Records

Livingston County property record for 10712 Pine Bluff Ave, Whitmore Lake, MI 48189

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,785 sqft · built 1989
Lot Size	0.266 acres (11,587 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (Jul 2016)
Tax Bill	$3,806 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-27-402-016`

Property Details

APN / Parcel Number

Primary APN	`15-27-402-016`
Alternative APN	`471527402016`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,785 sqft Living Area
1st Floor Area	1,197 sqft
Basement Area	1,036 sqft
Unfinished Basement	1,036 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Wood Siding
Lot Area	11,587 sqft (0.266 acres)
Lot Dimensions	232 ft deep x 50 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	24 sqft
Deck Area	672 sqft
Patio Area	1,458 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	10712 PINE BLUFF AVE
City	WHITMORE LAKE
State	MI
Zip	48189-9392
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WFR
Legal Description	SEC 27 T1N R5E PINE BLUFF ANNEX TO BOB WHITE BEACH LOT 16 & THAT PART LOT 48 LYING BETWEEN N & S PARALLEL LINES LOT 16
Legal Range	05E
Legal Township	01N
Legal Section	27
Legal Subdivision	PINE BLUFF ANX BOB WHITE BEACH
Legal Tract	743800
Legal Lot Number	16,48
Jurisdiction	LIVINGSTON MI
Township / Civil Division	HAMBURG
Census Block Group	2
Census Block	2022
Census Tract	743800

Owner

Source: Livingston County records, as of August 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	10712 PINE BLUFF AVE, WHITMORE LAKE, MI 48189-9392
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2023	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Nov 2, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2016 · Amount on Record
Deed Sale	Jul 28, 2016 · Amount on Record
Deed Document Number	201622660
Record Updated	Sep 20, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON MI
Property Address	10712 PINE BLUFF AVE, WHITMORE LAKE, MI 48189-9392
Transaction Type	Mortgage
Record Updated	Feb 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10712 PINE BLUFF AVE, WHITMORE LAKE, MI 48189-9392

Mortgage

Document Number	0000001779
Date	Feb 1, 2023
Instrument	2023R-001779

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON MI
Property Address	10712 PINE BLUFF AVE, WHITMORE LAKE, MI 48189-9392
Document Number	0000040776
Instrument Date	Nov 2, 2020
Transaction Type	Mortgage
Record Updated	Nov 20, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10712 PINE BLUFF AVE WHITMORE LAKE MI 481899392, WHITMORE LAKE, MI 48189-9392

Mortgage

Document Number	0000040776
Date	Nov 9, 2020
Instrument	40776

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 8, 2050

Tax Assessment & Valuation

Source: Livingston County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Livingston County
County Subdivision	Hamburg Township
Unified School District	Pinckney Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$191,510 (+27.79%)	$383,020 (+27.79%)
2025	$3,806.00 (+14.47%)
2023		$149,860
2021	$3,325.00		$299,720

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 17, 2008 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 30 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	30 in force
Nearby Flood Claims	2 (1996–2004)
Most Recent Claim	May 2004 · Severe Storms, Tornadoes, And Flooding

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 82 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Mercury Fiber, T-Mobile.

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