Macomb County property record for 15816 White Oak, Fraser, MI 48026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,876 sqft · built 1997 |
| Lot Size | 0.187 acres (8,146 sqft) |
| Owner | Individual Name on File |
| Last Sale | $290,000 (Dec 2018) |
| Tax Bill | $7,142 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage Jul 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-11-31-176-047 |
| Primary APN | 03-11-31-176-047 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,876 sqft Living Area |
| 1st Floor Area | 1,876 sqft |
| Basement Area | 1,876 sqft |
| Unfinished Basement | 1,876 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,146 sqft (0.187 acres) |
| Lot Dimensions | 125 ft deep x 65 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Storm Sewer |
| Water Source | Commercial |
| Street Address | 15816 WHITE OAK |
|---|---|
| City | FRASER |
| State | MI |
| Zip | 48026-5200 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RM |
| Legal Description | FRASER MEADOWS NORTH SUB NO 2 LOT NO 145. L112 PP30-34. CITY OF FRASER |
| Legal Subdivision | FRASER MEADOWS NORTH SUB |
| Legal Lot Number | 145 |
| Jurisdiction | MACOMB MI |
| Township / Civil Division | FRASER |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 254100 |
15816 White Oak is owned and occupied by an individual who bought it in December 2018.
Source: Macomb County records, as of October 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 15816 WHITE OAK, FRASER, MI 48026-5200 |
| 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 |
|---|---|
| Jul 1, 2020 | Deed of Trust, Mortgage BANK OF ENGLAND |
| Jul 3, 2019 | Deed of Trust, Mortgage BANK OF ENGLAND |
| Dec 26, 2018 | Warranty Deed, Transfer · Conventional with PMI BANK OF ENGLAND |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 26, 2018 · Amount on File |
| Deed Sale | Dec 26, 2018 · Amount on File |
| Prior Sale | Sep 22, 2008 · Amount on File |
| Deed Document Number | 20188139311 |
| Deed Book / Page | 25740 / 941 |
| Prior Transfer Date | Aug 4, 2005 |
| Prior Transfer Doc | 0000139900 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACOMB MI |
| Property Address | 15816 WHITE OAK, FRASER, MI 48026-5200 |
| Document Number | 0000086982 |
| Instrument Date | Jul 1, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 21, 2020 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 15816 WHITE OAK FRASER MI 480265200, FRASER, MI 48026-5200 |
| Document Number | 0000086982 |
|---|---|
| Date | Jul 28, 2020 |
| Book Page | 026868/000706 |
| Instrument | 86982 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Address | LITTLE ROCK, AR 72201 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jul 27, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACOMB MI |
| Property Address | 15816 WHITE OAK, FRASER, MI 48026-5200 |
| Document Number | 0000078411 |
| Instrument Date | Jul 3, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 30, 2019 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 15816 WHITE OAK FRASER MI 480265200, FRASER, MI 48026-5200 |
| Document Number | 0000078411 |
|---|---|
| Date | Jul 15, 2019 |
| Book Page | 026071/000145 |
| Instrument | 78411 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Address | LITTLE ROCK, AR 72201 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jul 14, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MACOMB MI |
| Recording Date | Dec 26, 2018 |
| Property Address | 15816 WHITE OAK, FRASER, MI 48026-5200 |
| Document Number | 0000139311 |
| Book / Page | 025740 / 000941 |
| Instrument Date | Dec 17, 2018 |
| Instrument | 139311 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,494.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 35465 ELMWOOD CT CLINTON TOWNSHIP MI 480352167, CLINTON TOWNSHIP, MI 48035-2167 |
| Document Number | 137797 |
|---|---|
| Date | Dec 26, 2018 |
| Book Page | 025734/000361 |
| Instrument | 137797 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Address | LITTLE ROCK, AR 72201 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 25, 2048 |
The 2025 property tax bill for 15816 White Oak was $7,142 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 | $184,000 (+5.2%) | $368,000 (+5.2%) | |
| 2025 | $7,142.00 Homeowner's exemption | $174,900 | $349,800 |
| 2023 | $148,800 | $297,600 | |
| 2022 | $6,259.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 15816 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 15816 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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