3450 Saddle Rdg, Highland, MI 48357 Property Records

Oakland County property record for 3450 Saddle Rdg, Highland, MI 48357

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,568 sqft · built 1978
Lot Size	5.02 acres (218,671 sqft)
Owner	2 Individual Names on Record
Last Sale	$455,000 (Jan 2018)
Tax Bill	$7,525 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`H-11-08-300-050`

Property Details

APN / Parcel Number

Primary APN	`H-11-08-300-050`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,568 sqft Living Area
1st Floor Area	2,568 sqft
Basement Area	2,302 sqft
Unfinished Basement	2,302 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Foundation Type	No Foundation
Roof Type	Gable
Lot Area	218,671 sqft (5.02 acres)
Garage Area	602 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1,440 sqft
Porch	Slab
Porch Area	857 sqft
Deck Area	570 sqft
Patio Area	678 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Hot Water
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	3450 SADDLE RDG
City	HIGHLAND
State	MI
Zip	48357-2536
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI
Legal Description	T3N, R7E, SEC 08 PART OF SW 1/4 BEG AT PT DIST N 02-21-10 E 1063.23 FT FROM S 1/4 COR, TH N 89-19-41 W 632.42 FT, TH N 02-21-10 E 345.02 FT, TH S 89-25-53 E 632.45 FT, TH S 02-21-10 W 346.16 FT TO BEG 5.02 A 09/14/87 FR 036
Legal Range	07E
Legal Township	03N
Legal Section	08
Jurisdiction	OAKLAND MI
Township / Civil Division	HIGHLAND
Census Block Group	2
Census Block	2010
Census Tract	131600

Owner

Source: Oakland County records, as of May 27, 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	3450 SADDLE RDG, HIGHLAND, MI 48357-2536
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2022	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Feb 14, 2020	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Jan 10, 2018	Warranty Deed, Transfer · VA Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 10, 2018 · Amount on Record
Deed Sale	Jan 10, 2018 · Amount on Record
Prior Sale	Dec 6, 2007 · Amount on Record
Deed Document Number	20185850
Deed Book / Page	51464 / 60
Prior Transfer Date	Oct 23, 2007
Prior Transfer Doc	0000236096
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3450 SADDLE RDG, HIGHLAND, MI 48357-2536
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	SELECT TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3450 SADDLE RDG, HIGHLAND, MI 48357-2536

Mortgage

Document Number	0000299072
Date	Jan 20, 2022
Book Page	57322/776
Instrument	299072

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3450 SADDLE RDG, HIGHLAND, MI 48357-2536
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033699
Date	Feb 14, 2020
Book Page	53841/292
Instrument	33699

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jan 10, 2018
Property Address	3450 SADDLE RDG, HIGHLAND, MI 48357-2536
Document Number	0000005850
Book / Page	51464 / 00060
Instrument Date	Jan 3, 2018
Instrument	005850
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,913.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3450 SADDLE RDG, 3450, HIGHLAND, MI 48357-2536

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3450 SADDLE RDG, HIGHLAND, MI 48357-2536

Mortgage

Document Number	0000006041
Date	Jan 10, 2018
Instrument	006041

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

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

Tax Assessment & Valuation

Source: Oakland County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
County Subdivision	Highland Charter Township
Unified School District	Huron Valley Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,525.00 (-30.81%) Homeowner's exemption	$408,900 (+20.45%)	$817,800 (+20.45%)
2024	$10,876.00 (+19.35%)
2023		$339,470	$678,940
2021	$9,113.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective December 8, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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