12477 Bugle Lake Dr, Bruce (Romeo), MI 48065 Property Records

Macomb County property record for 12477 Bugle Lake Dr, Bruce, MI 48065

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,492 sqft · built 2018
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$93,000 (Jun 2018)
Tax Bill	$7,936 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Sep 2019 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`14-01-14-300-031`

Property Details

APN / Parcel Number

Primary APN	`14-01-14-300-031`
Alternative APN	`0114300031`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,492 sqft Living Area
1st Floor Area	2,470 sqft
Basement Area	2,616 sqft
Unfinished Basement	2,616 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Lot Area	43,560 sqft (1 acres)
Garage Area	881 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	12477 BUGLE LK DR
City	BRUCE TWP
State	MI
Zip	48065-2653
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	T5N R12E SEC 14 2005 SPLIT PARCEL A - ELK HORN ESTATES COMM AT CEN PT SEC 14; TH N8855'26"E 123.98 FT; TH S0104'39"E 127.89 FT; TH 55.21 FT ALG A CURVE TO SE, R=200, CB S0859'10"E 55.04 FT; TH 63.34 FT ALG A CURVE TO SE, R=150, CB S0447'51"E 62.8
Legal Range	12E
Legal Township	05N
Legal Section	14
Legal Subdivision	SPLIT PARCEL A - ELK HORN ESTATES
Jurisdiction	MACOMB MI
Township / Civil Division	BRUCE
Census Block Group	1
Census Block	1022
Census Tract	214000

Owner

12477 Bugle Lake Dr is owned and occupied by two individuals who bought it in June 2018.

Source: Macomb County records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12477 BUGLE LK DR, BRUCE TWP, MI 48065-2653
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2026	Deed of Trust, Mortgage · Line of Credit CREDIT UNION 1/KS
Sep 27, 2019	Deed of Trust, Mortgage · Line of Credit OXFORD BANK
Sep 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage OXFORD BANK
Sep 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE 1 INC
Oct 24, 2019	Deed of Trust, Mortgage NOT AVAILABLE
Jun 11, 2018	Warranty Deed, Construction Loan · Construction Mortgage OXFORD BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2018 · Amount on File
Deed Sale	Jun 11, 2018 · Amount on File
Deed Document Number	20188066302
Deed Book / Page	25408 / 371
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Recording Date	Apr 29, 2026
Property Address	12477 BUGLE LK DR, BRUCE TWP, MI 48065-2653
Document Number	0000040760
Book / Page	30637 / 766
Instrument Date	Apr 24, 2026
Instrument	202640760
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12477 BUGLE LK DR, BRUCE TWP, MI 48065-2653

Mortgage

Document Number	0000040760,
Date	Apr 29, 2026
Book Page	30637/766
Instrument	202640760

Lender

Name	CREDIT UNION 1/KS

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Apr 29, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	12477 BUGLE LK DR, BRUCE TWP, MI 48065-2653
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000108741
Date	Sep 27, 2019
Book Page	26224/585
Instrument	9108741

Lender

Name	OXFORD BANK
Type	Bank
Address	OXFORD, MI 48371

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 17, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	12477 BUGLE LK DR, BRUCE TWP, MI 48065-2653
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000108047
Date	Sep 26, 2019
Book Page	26220/920
Instrument	9108047

Lender

Name	OXFORD BANK
Type	Bank
Address	OXFORD, MI 48371

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	12477 BUGLE LK DR, BRUCE TWP, MI 48065-2653
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12477 BUGLE LK DR, BRUCE TWP, MI 48065-2653

Mortgage

Document Number	2102232755
Date	Sep 7, 2021
Book Page	27979/919
Instrument	202102232755

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company
Address	STERLING HEIGHTS, MI 48314

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOMB MI
Property Address	12477 BUGLE LK DR, BRUCE TWP, MI 48065-2653
Document Number	0000123848
Instrument Date	Oct 24, 2019
Transaction Type	Mortgage
Record Updated	Dec 2, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12477 BUGLE LK DR BRUCE TWP MI 480652653, BRUCE TWP, MI 48065-2653

June 2018: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MACOMB MI
Recording Date	Jun 11, 2018
Property Address	12477 BUGLE LK DR, BRUCE TWP, MI 48065-2653
Document Number	0000066302
Book / Page	25408 / 371
Instrument Date	Jun 1, 2018
Instrument	8066302
Transaction Type	Construction Loan
Record Updated	Aug 12, 2022
Title Company	STERLING TITLE AGENCY

Transaction

Amount	Amount on Record
Tax	$799.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15224 RIVIERA SHORES DR, 15224, HOLLY, MI 48442-1130

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12477 BUGLE LK DR, BRUCE TWP, MI 48065-2653

Mortgage

Document Number	0000066304
Date	Jun 11, 2018
Instrument	8066304

Lender

Name	OXFORD BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jun 1, 2019

Tax Assessment & Valuation

The 2025 property tax bill for 12477 Bugle Lake Dr was $7,936 with a homeowner's exemption.

Source: Macomb County assessment roll, as of October 19, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Macomb County
County Subdivision	Bruce Township
Unified School District	Romeo Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$333,900 (+7.23%)	$667,800 (+7.23%)
2025	$7,936.00 Homeowner's exemption	$311,400	$622,800
2023		$258,700	$517,400
2022	$6,891.00

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

Flood

FEMA maps place 12477 Bugle Lake Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2004.

Source: FEMA National Flood Hazard Layer, effective October 4, 2026 · 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 Claims	1 (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

Wildfire risk around 12477 Bugle Lake Dr is low, with a 0.01% annual chance of 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	None beyond ember reach

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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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