1632 Rustic Ln, Keego Harbor, MI 48320 Property Records

Oakland County property record for 1632 Rustic Ln, Keego Harbor, MI 48320

Property Summary

Property Type	Single Family Home
Details	4 bd · 6.5 ba · 6,656 sqft · built 2009
Lot Size	0.404 acres (17,598 sqft)
Owner	2 Individual Names on File
Tax Bill	$25,909 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`36-18-01-106-042`

Property Details

APN / Parcel Number

Primary APN	`36-18-01-106-042`

Interior

Bedrooms	4 Beds
Full Baths	6.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	20 Plumbing Fixtures
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	6,656 sqft Living Area
1st Floor Area	5,009 sqft
Basement Area	3,379 sqft
Unfinished Basement	3,379 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Colonial
Exterior Material	Stucco
Foundation Type	Slab (Mat/Raft)
Lot Area	17,598 sqft (0.404 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Terrain	Rolling
View / Lot	Waterfront
Garage Area	1,057 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	989 sqft
Patio Area	70 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1632 RUSTIC LN
City	KEEGO HARBOR
State	MI
Zip	48320-1126
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T2N, R9E, SEC 1 OLD ORCHARD PARK SUB LOTS 7 & 8 5-7-08 FR 030 & 031
Legal Range	09E
Legal Township	02N
Legal Section	01
Legal Subdivision	OLD ORCHARD PARK SUB
Legal Lot Number	5,7-8
Jurisdiction	OAKLAND MI
Township / Civil Division	KEEGO HARBOR
Census Block Group	1
Census Block	1001
Census Tract	154200

Owner

1632 Rustic Ln is owned and occupied by two individuals who acquired it in April 2005.

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

Owner of Record	2 Individual Names on File
Mailing Address	1632 RUSTIC LN, KEEGO HARBOR, MI 48320-1126
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
Jan 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Feb 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Aug 9, 2017	Deed of Trust, Mortgage FIFTH THIRD MTG/MI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2005
Deed Sale	Apr 20, 2005
Prior Sale	May 31, 1996
Deed Document Number	2005113037
Deed Book / Page	35358 / 208
Prior Transfer Date	Nov 23, 1997
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	1632 RUSTIC LN, KEEGO HARBOR, MI 48320-1126
Transaction Type	Mortgage
Record Updated	Mar 29, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1632 RUSTIC LN, KEEGO HARBOR, MI 48320-1126

Mortgage

Document Number	0000306321
Date	Jan 28, 2022
Book Page	57365/498
Instrument	306321

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	1632 RUSTIC LN, KEEGO HARBOR, MI 48320-1126
Transaction Type	Mortgage
Record Updated	Apr 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1632 RUSTIC LN, KEEGO HARBOR, MI 48320-1126

Mortgage

Document Number	0000051501
Date	Feb 26, 2021
Book Page	55782/371
Instrument	51501

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	1632 RUSTIC LN, KEEGO HARBOR, MI 48320-1126
Document Number	0000157061
Book / Page	050990 / 000031
Instrument Date	Aug 9, 2017
Transaction Type	Mortgage
Record Updated	Sep 4, 2017
Title Company	TITLE CONNECT LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1632 RUSTIC LN KEEGO HARBOR MI 483201126, KEEGO HARBOR, MI 48320-1126

Mortgage

Document Number	0000157061
Date	Aug 18, 2017
Book Page	050990/000031
Instrument	157061

Lender

Name	FIFTH THIRD MTG/MI
Type	Mortgage Company
Address	GRAND RAPIDS, MI 49546

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 17, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1632 Rustic Ln was $25,909 with a homeowner's exemption, down 3.2% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
Municipality	Keego Harbor City
Unified School District	West Bloomfield School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$25,909.00 (-3.21%) Homeowner's exemption	$1,577,050	$3,154,100
2024	$26,767.00
2023		$1,541,110	$3,082,220
2021	$23,861.00

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

Flood

FEMA maps place 1632 Rustic Ln in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective December 8, 2024 · 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	4 (2000–2014)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Aug 2014 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Aug 2014 · 2 claims

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

The area around 1632 Rustic Ln 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.

Drinking Water

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

Water System	CITY OF KEEGO HARBOR serves 2,740 people · EPA ID MI0003595
Water Source	Purchased surface water from GREAT LAKES WATER AUTHORITY
Last State Inspection	Mar 2026
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

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

Internet Providers

Source: FCC Broadband Data Collection, based on 464 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	1,200 / 35

May also be available: Verizon.

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