Oakland County property record for 185 Rustic Cir, White Lake, MI 48386
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,268 sqft · built 1952 |
| Lot Size | 0.245 acres (10,672 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $127,000 (Feb 2004) |
| Tax Bill | $786 (2025) |
| Deeds & Mortgages | Sep 2026 Sale Jul 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | Y-12-26-256-048 |
| Primary APN | Y-12-26-256-048 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,268 sqft Living Area |
| 1st Floor Area | 1,268 sqft |
| Basement Area | 1,268 sqft |
| Unfinished Basement | 1,268 sqft |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Roof Type | Gable |
| Lot Area | 10,672 sqft (0.245 acres) |
| Lot Dimensions | 91.2 ft deep x 80 ft wide |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 32 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 185 RUSTIC CIR |
|---|---|
| City | WHITE LAKE |
| State | MI |
| Zip | 48386-2774 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1D |
| Legal Description | T3N, R8E, SEC 26 CEDAR CREST SUB NO 4 LOT 402 5/6/87 FR 040 |
| Legal Range | 08E |
| Legal Township | 03N |
| Legal Section | 26 |
| Legal Subdivision | CEDAR CREST SUB |
| Legal Lot Number | 5,402 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | WHITE LAKE |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 130600 |
Source: Oakland County records, as of September 24, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 185 RUSTIC CIR, WHITE LAKE, MI 48386-2774 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Sep 16, 2026 | Deed, Transfer NONE LISTED ON DOCUMENT |
| Jul 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage VIBE CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 17, 2004 · Amount on Record |
| Deed Sale | Feb 17, 2004 · Amount on Record |
| Prior Sale | Mar 4, 2003 · Amount on Record |
| Deed Document Number | 200484702 |
| Deed Book / Page | 32231 / 297 |
| Last Transfer Date | Sep 1, 2026 |
| Transfer Doc | 0000137368 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Sep 16, 2026 |
| Property Address | 185 RUSTIC CIR, WHITE LAKE, MI 48386-2774 |
| Document Number | 0000137368 |
| Book / Page | 61553 / 189 |
| Instrument Date | Sep 1, 2026 |
| Instrument | 2026137368 |
| Transaction Type | Transfer |
| Record Updated | Sep 24, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 185 RUSTIC CIR, WHITE LAKE, MI 48386-2774 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 185 RUSTIC CIR, WHITE LAKE, MI 48386-2774 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|---|
| Address | 185 RUSTIC CIR, WHITE LAKE, MI 48386-2774 |
| Document Number | 0000178546 |
|---|---|
| Date | Jul 19, 2021 |
| Book Page | 56568/602 |
| Instrument | 178546 |
| Name | VIBE CU |
|---|---|
| Type | Credit Union |
| Address | NOVI, MI 48377 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Aug 1, 2036 |
Source: Oakland County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oakland County |
| County Subdivision | White Lake Charter Township |
| Unified School District | Walled Lake Consolidated Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $786.00 (-45.83%) Homeowner's exemption | $95,940 (+16.45%) | $191,880 (+16.45%) |
| 2024 | $1,451.00 (+13.71%) | ||
| 2023 | $82,390 | $164,780 | |
| 2021 | $1,276.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2004) |
| Most Recent Claim | May 2004 · rainfall accumulation |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 95% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 302 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 | 100 / 20 |
May also be available: Verizon.
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