341 Rustic Cir, White Lake, MI 48386 Property Records

Oakland County property record for 341 Rustic Cir, White Lake, MI 48386

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 816 sqft · built 1952
Lot Size	0.289 acres (12,589 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (May 2026)
Tax Bill	$1,658 (2025)
Deeds & Mortgages	Apr 2022 Mortgage May 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`Y-12-26-256-018`

Property Details

APN / Parcel Number

Primary APN	`Y-12-26-256-018`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	816 sqft Living Area
1st Floor Area	816 sqft
Basement Area	816 sqft
Unfinished Basement	816 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Lot Area	12,589 sqft (0.289 acres)
Lot Dimensions	116 ft deep x 80 ft wide
Garage Area	287 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	133 sqft
Deck Area	80 sqft
Patio Area	80 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	341 RUSTIC CIR
City	WHITE LAKE
State	MI
Zip	48386-3043
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 378 & 379
Legal Range	08E
Legal Township	03N
Legal Section	26
Legal Subdivision	CEDAR CREST SUB
Legal Lot Number	378-379
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 29, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2609 GROVE CIR, COMMERCE TOWNSHIP, MI 48382-3595
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2022	Deed of Trust, Mortgage · FHA Mortgage KAYE FINANCIAL CORP
May 20, 2026	Warranty Deed, Transfer · FHA Mortgage NONE LISTED ON DOCUMENT
Jan 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY DEV CORP
Jan 30, 2018	Warranty Deed, Transfer · FHA Mortgage SUMMIT FUNDING INC
Mar 15, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2026 · Amount on Record
Deed Sale	May 20, 2026 · Amount on Record
Prior Sale	Jan 30, 2018 · Amount on Record
Deed Document Number	202667901
Deed Book / Page	61211 / 191
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	341 RUSTIC CIR, WHITE LAKE, MI 48386-3043
Transaction Type	Mortgage
Record Updated	Jun 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	341 RUSTIC CIR, WHITE LAKE, MI 48386-3043

Mortgage

Document Number	0000366579
Date	Apr 13, 2022
Book Page	57685/230
Instrument	366579

Lender

Name	KAYE FINANCIAL CORP
Type	Funding / Finance Company
Address	FARMINGTON, MI 48334

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	May 20, 2026
Property Address	341 RUSTIC CIR, WHITE LAKE, MI 48386-3043
Document Number	0000067901
Book / Page	61211 / 191
Instrument Date	May 13, 2026
Instrument	202667901
Transaction Type	Transfer
Record Updated	May 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$181,800.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20260067078,
Date	May 20, 2026
Instrument	202667078

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	341 RUSTIC CIR, WHITE LAKE, MI 48386-3043
Document Number	0000015294
Instrument Date	Jan 26, 2018
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	341 RUSTIC CIR WHITE LAKE MI 483863043, WHITE LAKE, MI 48386-3043

Mortgage

Document Number	0000015294
Date	Jan 30, 2018
Book Page	051515/000527
Instrument	15294

Lender

Name	COMMUNITY DEV CORP
Type	Construction/Development Company
Address	LANSING, MI 48912

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jan 30, 2018
Property Address	341 RUSTIC CIR, WHITE LAKE, MI 48386-3043
Document Number	0000015292
Book / Page	51515 / 00515
Map Reference	LB 35 PG 38&38A-38C
Instrument Date	Jan 26, 2018
Instrument	015292
Transaction Type	Transfer
Record Updated	Jun 29, 2021
Title Company	LIBERTY TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,109.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3200 EDGEWOOD PARK CT, 3200, COMMERCE TOWNSHIP, MI 48382-4427

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	341 RUSTIC CIR, WHITE LAKE, MI 48386-3043

Mortgage

Document Number	0000015293
Date	Jan 30, 2018
Instrument	015293

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

Mortgage

Document Number	0000015294
Date	Jan 30, 2018
Book Page	51515/00527
Instrument	015294

Lender

Name	MICHIGAN STATE HUD
Type	Government Agency
Address	LANSING, MI 48912

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Mar 15, 2017
Property Address	341 RUSTIC CIR, WHITE LAKE, MI 48386-3043
Document Number	0000048353
Book / Page	050473 / 000079
Instrument Date	Feb 27, 2017
Instrument	48353
Transaction Type	Transfer
Record Updated	Apr 25, 2017

Transaction

Amount	Amount Recorded
Tax	$993.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3979 HEATHERWOOD DR COMMERCE TOWNSHIP MI 483821044, COMMERCE TOWNSHIP, MI 48382-1044

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	$1,658.00 (-41.16%) Homeowner's exemption	$104,170 (+12.26%)	$208,340 (+12.26%)
2024	$2,818.00 (+14.18%)
2023		$92,790	$185,580
2021	$2,468.00

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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