Macomb County property record for 15651 White Oak, Fraser, MI 48026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,793 sqft · built 1997 |
| Lot Size | 0.179 acres (7,797 sqft) |
| Owner | Individual Name on File |
| Last Sale | $347,000 (Aug 2020) |
| Tax Bill | $9,340 (2025) |
| Deeds & Mortgages | Oct 2022 Transfer Dec 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-11-31-153-019 |
| Primary APN | 03-11-31-153-019 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,793 sqft Living Area |
| 1st Floor Area | 1,539 sqft |
| Basement Area | 1,539 sqft |
| Unfinished Basement | 1,539 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,797 sqft (0.179 acres) |
| Lot Dimensions | 120 ft deep x 65 ft wide |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 25 sqft |
| Patio Area | 294 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Storm Sewer |
| Water Source | Commercial |
| Street Address | 15651 WHITE OAK |
|---|---|
| City | FRASER |
| State | MI |
| Zip | 48026-5099 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RM |
| Legal Description | FRASER MEADOWS NORTH SUB NO 2 L112 P30-34, LOT 134. |
| Legal Subdivision | FRASER MEADOWS NORTH SUB |
| Legal Lot Number | 134 |
| Jurisdiction | MACOMB MI |
| Township / Civil Division | FRASER |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 254100 |
15651 White Oak is owned and occupied by an individual who acquired it in February 2022.
Source: Macomb County records, as of October 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 15651 WHITE OAK, FRASER, MI 48026-5099 |
| 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.
| Date | Document |
|---|---|
| Oct 14, 2022 | Intrafamily Transfer, Transfer |
| Dec 4, 2018 | Deed of Trust, Mortgage · ARM THE HUNTINGTON NATIONAL BANK |
| Aug 11, 2020 | Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 11, 2020 · Amount on File |
| Deed Sale | Aug 11, 2020 · Amount on File |
| Prior Sale | Oct 21, 2005 · Amount on File |
| Deed Document Number | 202094443 |
| Deed Book / Page | 26905 / 465 |
| Last Transfer Date | Feb 2, 2022 |
| Transfer Doc | 0000117730 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MACOMB MI |
| Recording Date | Oct 14, 2022 |
| Property Address | 15651 WHITE OAK, FRASER, MI 48026-5099 |
| Document Number | 2200117730 |
| Book / Page | 28857 / 665 |
| Map Reference | LB 112 PG 30-34 |
| Instrument Date | Feb 2, 2022 |
| Instrument | 202200117730 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 15651 WHITE OAK, FRASER, MI 48026-5099 |
| Name | Verified Name |
|---|---|
| Address | 15651 WHITE OAK, FRASER, MI 48026-5099 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACOMB MI |
| Property Address | 15651 WHITE OAK, FRASER, MI 48026-5099 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000132444 |
|---|---|
| Date | Dec 4, 2018 |
| Book Page | 25711/314 |
| Instrument | 8132444 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43219 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.35% |
| Type Change Date | Dec 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 9.35% |
| Index | 1-Year LIBOR |
| Max Rate | 9.35% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MACOMB MI |
| Recording Date | Aug 11, 2020 |
| Property Address | 15651 WHITE OAK, FRASER, MI 48026-5099 |
| Document Number | 0000094443 |
| Book / Page | 26905 / 465 |
| Map Reference | LB 112 PG 30-34 |
| Instrument Date | Aug 7, 2020 |
| Instrument | 2094443 |
| Transaction Type | Transfer |
| Record Updated | May 31, 2021 |
| Title Company | FPT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,984.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 15651 WHITE OAK, 15651, FRASER, MI 48026-5099 |
| Name | Verified Name |
|---|---|
| Address | 15651 WHITE OAK, FRASER, MI 48026-5099 |
| Document Number | 0000094444 |
|---|---|
| Date | Aug 11, 2020 |
| Book Page | 26905/467 |
| Instrument | 2094444 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
The 2025 property tax bill for 15651 White Oak was $9,340 with a homeowner's exemption.
Source: Macomb County assessment roll, as of October 19, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Macomb County |
| Municipality | Fraser City |
| Unified School District | Fraser Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $236,600 | $473,200 | |
| 2025 | $9,340.00 | ||
| 2023 | $184,500 | $369,000 | |
| 2022 | $8,185.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 15651 White Oak in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1993.
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 Policies | 4 in force |
| Nearby Flood Claims | 1 (1993) |
| Most Recent Claim | Jan 1993 · tidal / storm surge |
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.
The area around 15651 White Oak has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF FRASER serves 14,297 people · EPA ID MI0002460 |
|---|---|
| Water Source | Purchased surface water from GREAT LAKES WATER AUTHORITY |
| Last State Inspection | Nov 2025 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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.
Source: FCC Broadband Data Collection, based on 230 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
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