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318 Rustic Cir, White Lake, MI 48386 Property Records

Oakland County property record for 318 Rustic Cir, White Lake, MI 48386

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,358 sqft · built 1988
Lot Size0.165 acres (7,187 sqft)
OwnerIndividual Name on File
Last Sale$254,900 (Dec 2022)
Tax Bill$1,824 (2025)
Deeds & MortgagesDec 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNY-12-26-253-017

Property Details

APN / Parcel Number

Primary APNY-12-26-253-017

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms4 Rooms
Stories3 Stories
Building Area1,358 sqft Living Area
1st Floor Area902 sqft
Basement Area408 sqft
Finished Basement408 sqft

Exterior

Year BuiltBuilt 1988
Effective Year BuiltEffective 1988
Architectural StyleBi-Level
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Lot Area7,187 sqft (0.165 acres)
Lot Dimensions159 ft deep x 30 ft wide

Exterior Amenities

PorchSlab
Porch Area24 sqft
Deck Area128 sqft
Patio Area128 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas
SewerSeptic
Water SourceWell

Location & Zoning

Street Address318 RUSTIC CIR
CityWHITE LAKE
StateMI
Zip48386-3052
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1D
Legal DescriptionT3N, R8E, SEC 26 CEDAR CREST SUB NO 4 LOT 522 1/28/88 FR 013
Legal Range08E
Legal Township03N
Legal Section26
Legal SubdivisionCEDAR CREST SUB
Legal Lot Number1,522
JurisdictionOAKLAND MI
Township / Civil DivisionWHITE LAKE
Census Block Group3
Census Block3000
Census Tract130600

Owner

318 Rustic Cir is owned and occupied by an individual who bought it in December 2022.

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

Owner of RecordIndividual Name on File
Mailing Address318 RUSTIC CIR, WHITE LAKE, MI 48386-3052
OccupancyOwner Occupied
Owner TypeIndividual

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

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 5, 2022 · Amount on File
Deed SaleDec 5, 2022 · Amount on File
Prior SaleDec 30, 2013 · Amount on File
Deed Document Number2022478193
Deed Book / Page58296 / 842
Record UpdatedOct 29, 2026

December 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOAKLAND MI
Recording DateDec 5, 2022
Property Address318 RUSTIC CIR, WHITE LAKE, MI 48386-3052
Document Number0000478193
Book / Page58296 / 842
Map ReferenceLB 35 PG 38-38C
Instrument DateNov 29, 2022
Instrument478193
Transaction TypeTransfer
Record UpdatedDec 16, 2022
Title CompanySELECT TITLE COMPANY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,912.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address318 RUSTIC CIR, WHITE LAKE, MI 48386-3052

Mortgage

Document Number0058296843
DateDec 5, 2022
Instrument58296/843
Lender
NameMICHIGAN MUTUAL INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueDec 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 318 Rustic Cir was $1,824 with a homeowner's exemption, down 41.2% from the year before.

Source: Oakland County assessment roll, as of February 4, 2026

Property Jurisdictions

TypeName
StateMichigan
CountyOakland County
County SubdivisionWhite Lake Charter Township
Unified School DistrictWalled Lake Consolidated Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,824.00 (-41.22%) Homeowner's exemption$99,270$198,540
2024$3,103.00
2023$85,860$171,720
2021$1,515.00

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 318 Rustic Cir 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 in force
Nearby Flood Claims1 (2004)
Most Recent ClaimMay 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

The area around 318 Rustic Cir 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 RiskNot 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 SystemWHITE LAKE TOWNSHIP
serves 6,619 people · EPA ID MI0007065
Water SourceGroundwater
Last State InspectionMar 2026
Lead3 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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