1386 Cooley Approach St, White Lake, MI 48386 Property Records

Oakland County property record for 1386 Cooley Approach St, White Lake, MI 48386

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,167 sqft · built 1938
Lot Size	0.384 acres (16,727 sqft)
Owner	Individual Name on Record
Tax Bill	$1,434 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Nov 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`Y-12-35-476-038`

Property Details

APN / Parcel Number

Primary APN	`Y-12-35-476-038`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,167 sqft Living Area
1st Floor Area	792 sqft
Basement Area	100 sqft
Unfinished Basement	100 sqft

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1985
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	16,727 sqft (0.384 acres)
Lot Dimensions	123 ft deep x 105 ft wide
Garage Area	396 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	24 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	1386 COOLEY APPROACH ST
City	WHITE LAKE
State	MI
Zip	48386-4038
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1D
Legal Description	T3N, R8E, SEC 35 NEEDELS SIX LAKES SUB NUMBER ONE N 20 FT OF LOT 24, ALSO ALL OF LOTS 25, 26 & 27 BLK 1
Legal Range	08E
Legal Township	03N
Legal Section	35
Legal Subdivision	NEEDELS SIX LAKES SUB
Legal Block	1
Legal Lot Number	24-27
Jurisdiction	OAKLAND MI
Township / Civil Division	WHITE LAKE
Census Block Group	4
Census Block	4021
Census Tract	130700

Owner

Source: Oakland County records, as of May 27, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	1386 COOLEY APPROACH ST, WHITE LAKE, MI 48386-4038
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage HALL FINANCIAL GROUP
Nov 8, 2019	Intrafamily Transfer, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
May 11, 2018	Grant Deed, Transfer
May 31, 2018	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Apr 4, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 8, 2019
Deed Sale	Nov 8, 2019
Prior Sale	May 31, 2018 · Amount on Record
Deed Document Number	2019187683
Deed Book / Page	53485 / 334
Prior Transfer Date	Oct 25, 2019
Prior Transfer Doc	0000187683
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	1386 COOLEY APPROACH ST, WHITE LAKE, MI 48386-4038
Transaction Type	Mortgage
Record Updated	Feb 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1386 COOLEY APPROACH ST, WHITE LAKE, MI 48386-4038

Mortgage

Document Number	0000019495
Date	Jan 25, 2021
Book Page	55561/81
Instrument	19495

Lender

Name	HALL FINANCIAL GROUP
Type	Non-Lending Institution
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

November 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OAKLAND MI
Recording Date	Nov 8, 2019
Property Address	1386 COOLEY APPROACH ST, WHITE LAKE, MI 48386-4038
Document Number	0000187683
Book / Page	53485 / 00334
Map Reference	LB 30 PG 19
Instrument Date	Oct 25, 2019
Instrument	187683
Transaction Type	Transfer
Record Updated	Jun 29, 2021
Title Company	PEAK TITLE AGENCY CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1386 COOLEY APPROACH ST, WHITE LAKE, MI 48386-4038

Mortgage

Document Number	5348500336
Date	Nov 8, 2019
Instrument	53485/00336

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2049

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OAKLAND MI
Recording Date	May 11, 2018
Property Address	1386 COOLEY APPROACH ST, WHITE LAKE, MI 48386-4038
Document Number	0000079347
Book / Page	051804 / 000140
Instrument Date	May 4, 2018
Instrument	79347
Transaction Type	Transfer
Record Updated	Jun 1, 2018

Transaction

Amount	Amount Recorded
Tax	$823.12
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1386 COOLEY APPROACH ST WHITE LAKE MI 483864038, WHITE LAKE, MI 48386-4038

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	May 31, 2018
Property Address	1386 COOLEY APPROACH ST, WHITE LAKE, MI 48386-4038
Document Number	0000090424
Book / Page	51860 / 00897
Map Reference	LB 30 PG 19
Instrument Date	May 4, 2018
Instrument	90424
Transaction Type	Transfer
Record Updated	Jun 29, 2021
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,023.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1386 COOLEY APPROACH ST, 1386, WHITE LAKE, MI 48386-4038

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	184 W KENNETT RD, PONTIAC, MI 48340-2648

Mortgage

Document Number	0000090425
Date	May 31, 2018
Instrument	90425

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

April 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	OAKLAND MI
Recording Date	Apr 4, 2018
Property Address	1386 COOLEY APPROACH ST, WHITE LAKE, MI 48386-4038
Document Number	0000051132
Book / Page	051686 / 000856
Instrument Date	Mar 27, 2018
Instrument	51132
Transaction Type	Foreclosure
Record Updated	Apr 18, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$819.15
Amount Accuracy	Confirmed
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3476 STATEVIEW BLVD FORT MILL SC 297157203, FORT MILL, SC 29715-7203

Tax Assessment & Valuation

Source: Oakland County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
County Subdivision	White Lake Charter Township
Unified School District	Walled Lake Consolidated Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,434.00 (-41.75%) Homeowner's exemption	$83,190 (+6.11%)	$166,380 (+6.11%)
2024	$2,462.00 (+14.14%)
2023		$78,400	$156,800
2021	$2,157.00

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 December 8, 2024

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

Values are read at the parcel center point; 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 99.1% of the US · lower than 98.4% of Michigan
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WHITE LAKE TOWNSHIP serves 6,619 people · EPA ID MI0007065
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 165 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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