289 Rustic Cir, White Lake, MI 48386 Property Records

Oakland County property record for 289 Rustic Cir, White Lake, MI 48386

Property Summary

Property Type	Manufactured or Modular Home
Details	3 bd · 2 ba · 1,344 sqft · built 1989
Lot Size	0.368 acres (16,030 sqft)
Owner	2 Individual Names on Record
Last Sale	$295,000 (Nov 2023)
Tax Bill	$1,818 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Oct 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`Y-12-26-256-014`

Property Details

APN / Parcel Number

Primary APN	`Y-12-26-256-014`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area
1st Floor Area	1,344 sqft
Basement Area	1,344 sqft
Unfinished Basement	1,344 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Lot Area	16,030 sqft (0.368 acres)
Lot Dimensions	129 ft deep x 85 ft wide
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	16 sqft
Deck Area	60 sqft
Patio Area	60 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Other
Heating Fuel	Gas
Sewer	Storm Sewer
Water Source	Well

Location & Zoning

Street Address	289 RUSTIC CIR
City	WHITE LAKE
State	MI
Zip	48386-3042
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Local Zoning Code	R1D
Legal Description	T3N, R8E, SEC 26 CEDAR CREST SUB NO 4 LOTS 385 & 386
Legal Range	08E
Legal Township	03N
Legal Section	26
Legal Subdivision	CEDAR CREST SUB
Legal Lot Number	385-386
Jurisdiction	OAKLAND MI
Township / Civil Division	WHITE LAKE
Census Block Group	3
Census Block	3003
Census Tract	130600

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	289 RUSTIC CIR, WHITE LAKE, MI 48386-3042
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2023	Warranty Deed, Transfer · Conventional Mortgage UNIVERSITY OF MICHIGAN CU
Oct 25, 2017	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jun 2, 2020	Deed of Trust, Mortgage MORTGAGE 1 AT SUBURBAN
Mar 22, 2019	Deed of Trust, Mortgage MORTGAGE 1 AT SUBURBAN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2023 · Amount on Record
Deed Sale	Nov 14, 2023 · Amount on Record
Prior Sale	Jun 25, 2001 · Amount on Record
Deed Document Number	2023123966
Deed Book / Page	59002 / 340
Record Updated	Sep 20, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Nov 14, 2023
Property Address	289 RUSTIC CIR, WHITE LAKE, MI 48386-3042
Document Number	0000123966
Book / Page	59002 / 340
Map Reference	LB 35 PG 38,38A-38C
Instrument Date	Nov 7, 2023
Instrument	123966
Transaction Type	Transfer
Record Updated	Dec 6, 2023
Title Company	ROSE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,212.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	289 RUSTIC CIR, WHITE LAKE, MI 48386-3042

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	289 RUSTIC CIR, WHITE LAKE, MI 48386-3042

Mortgage

Document Number	0000123579
Date	Nov 13, 2023
Book Page	59000/490
Instrument	123579

Lender

Name	UNIVERSITY OF MICHIGAN CU
Type	Credit Union
Address	ANN ARBOR, MI 48104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	289 RUSTIC CIR, WHITE LAKE, MI 48386-3042
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000197591
Date	Oct 25, 2017
Book Page	51214/00701
Instrument	197591

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 30, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	289 RUSTIC CIR, WHITE LAKE, MI 48386-3042
Document Number	0000112713
Instrument Date	Jun 2, 2020
Transaction Type	Mortgage
Record Updated	Jul 10, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	289 RUSTIC CIR WHITE LAKE MI 483863042, WHITE LAKE, MI 48386-3042

Mortgage

Document Number	0000112713
Date	Jun 11, 2020
Book Page	054337/000778
Instrument	112713

Lender

Name	MORTGAGE 1 AT SUBURBAN
Type	Mortgage Company
Address	STERLING HEIGHTS, MI 48314

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 10, 2050

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	289 RUSTIC CIR, WHITE LAKE, MI 48386-3042
Document Number	0000050286
Instrument Date	Mar 22, 2019
Transaction Type	Mortgage
Record Updated	May 1, 2019
Title Company	TITLE SELECT LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	289 RUSTIC CIR WHITE LAKE MI 483863042, WHITE LAKE, MI 48386-3042

Mortgage

Document Number	0000050286
Date	Apr 8, 2019
Book Page	052703/000398
Instrument	50286

Lender

Name	MORTGAGE 1 AT SUBURBAN
Type	Mortgage Company
Address	STERLING HEIGHTS, MI 48314

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 7, 2049

Tax Assessment & Valuation

Source: Oakland County assessment roll, as of January 21, 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	$1,818.00 (-40.74%) Homeowner's exemption	$93,920 (+7.62%)	$187,840 (+7.62%)
2024	$3,068.00 (+100.26%)
2023		$87,270	$174,540
2021	$1,532.00

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

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

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	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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