190 Rustic Cir, White Lake, MI 48386 Property Records

Oakland County property record for 190 Rustic Cir, White Lake, MI 48386

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,208 sqft · built 1955
Lot Size	0.207 acres (9,017 sqft)
Owner	Individual Name on File
Last Sale	$252,500 (Apr 2026)
Tax Bill	$1,276 (2025)
Deeds & Mortgages	May 2026 Mortgage Apr 2026 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`Y-12-26-252-015`

Property Details

APN / Parcel Number

Primary APN	`Y-12-26-252-015`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,208 sqft Living Area
1st Floor Area	1,208 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Lot Area	9,017 sqft (0.207 acres)
Lot Dimensions	75.7 ft deep x 100 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	128 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	190 RUSTIC CIR
City	WHITE LAKE
State	MI
Zip	48386-2773
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1D
Legal Description	T3N, R8E, SEC 26 CEDAR CREST SUB NO 4 LOTS 406 TO 410 INCL
Legal Range	08E
Legal Township	03N
Legal Section	26
Legal Subdivision	CEDAR CREST SUB
Legal Lot Number	406-410
Jurisdiction	OAKLAND MI
Township / Civil Division	WHITE LAKE
Census Block Group	3
Census Block	3001
Census Tract	130600

Owner

190 Rustic Cir is owned and occupied by an individual who bought it in April 2026.

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

Owner of Record	Individual Name on File
Mailing Address	190 RUSTIC CIR, WHITE LAKE, MI 48386-2773
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
May 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT
Apr 30, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Aug 18, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2026 · Amount on File
Deed Sale	Apr 30, 2026 · Amount on File
Prior Sale	Sep 25, 2014 · Amount on File
Deed Document Number	202658685
Deed Book / Page	61155 / 656
Prior Transfer Date	Aug 18, 2023
Prior Transfer Doc	0000090773
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Recording Date	May 11, 2026
Property Address	190 RUSTIC CIR, WHITE LAKE, MI 48386-2773
Document Number	0000062959
Book / Page	61180 / 570
Instrument Date	Apr 27, 2026
Instrument	202662959
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	707 LAKEVIEW DR, WHITE LAKE, MI 48386-3018

Mortgage

Document Number	0000062959,
Date	May 11, 2026
Book Page	61180/570
Instrument	202662959

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Apr 30, 2026
Property Address	190 RUSTIC CIR, WHITE LAKE, MI 48386-2773
Document Number	0000058685
Book / Page	61155 / 656
Instrument Date	Apr 27, 2026
Instrument	2026.58685
Transaction Type	Transfer
Record Updated	May 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$191,268.75
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 RUSTIC CIR, WHITE LAKE, MI 48386-2773

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OAKLAND MI
Recording Date	Aug 18, 2023
Property Address	190 RUSTIC CIR, WHITE LAKE, MI 48386-2773
Document Number	0000090773
Book / Page	58818 / 280
Map Reference	LB 35 PG 38,38A-38C
Instrument Date	Aug 18, 2023
Instrument	90773
Transaction Type	Transfer
Record Updated	Aug 29, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	190 RUSTIC CIR, WHITE LAKE, MI 48386-2773

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 RUSTIC CIR, WHITE LAKE, MI 48386-2773

Tax Assessment & Valuation

The 2025 property tax bill for 190 Rustic Cir was $1,276 with a homeowner's exemption, down 42.5% from the year before.

Source: Oakland County assessment roll, as of February 4, 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	$1,276.00 (-42.5%) Homeowner's exemption	$103,520	$207,040
2024	$2,219.00
2023		$92,010	$184,020
2021	$1,946.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 190 Rustic Cir in Zone X, an area of minimal flood risk, within 500 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 500 ft
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.

Wildfire

Wildfire risk around 190 Rustic Cir is low, with less than a 0.01% annual chance of 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 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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