3460 Saddle Rdg, Highland, MI 48357 Property Records

Oakland County property record for 3460 Saddle Rdg, Highland, MI 48357

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,773 sqft · built 1989
Lot Size	5.01 acres (218,236 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,706 (2025)
Deeds & Mortgages	Aug 2026 Transfer Feb 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`H-11-08-300-049`

Property Details

APN / Parcel Number

Primary APN	`H-11-08-300-049`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,773 sqft Living Area
1st Floor Area	1,773 sqft
Basement Area	1,707 sqft
Unfinished Basement	1,707 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Lot Area	218,236 sqft (5.01 acres)
Garage Area	891 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	270 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	3460 SADDLE RDG
City	HIGHLAND
State	MI
Zip	48357-2536
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SI
Legal Description	T3N, R7E, SEC 08 PART OF SW 1/4 BEG AT PT DIST N 02-21-10 E 1409.39 FT FROM S 1/4 COR, TH N 89-25-53 W 632.45 FT, TH N 02-21-10 E 345.03 FT, TH S 89-32-04 E 632.49 FT, TH S 02-21-10 W 346.17 FT TO BEG 5.01 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 · APN H-11-08-300-049

Assessment roll updated January 21, 2026 · Last verified August 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 File
Mailing Address	3460 SADDLE RDG, HIGHLAND, MI 48357-2536
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Feb 06, 2024	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Jun 19, 2017	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK IN HOWELL
Oct 25, 2017	Deed of Trust, Mortgage · Conventional Mortgage JG WENTWORTH HM LNDG

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Jul 31, 2026
Transfer Doc	0000119601
Record Updated	Sep 20, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	Aug 11, 2026
Property Address	3460 SADDLE RDG, HIGHLAND, MI 48357-2536
Document Number	0000119601
Book / Page	61448 / 603
Instrument Date	Jul 31, 2026
Instrument	2026119601
Transaction Type	Transfer
Record Updated	Aug 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	3460 SADDLE RDG, HIGHLAND, MI 48357-2536

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3460 SADDLE RDG, HIGHLAND, MI 48357-2536
Transaction Type	Mortgage
Record Updated	Feb 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3460 SADDLE RDG, HIGHLAND, MI 48357-2536

Mortgage

Document Number	0000012456
Date	Feb 06, 2024
Book Page	59153/413
Instrument	12456

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3460 SADDLE RDG, HIGHLAND, MI 48357-2536
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000118015
Date	Jun 19, 2017
Book Page	50780/00755
Instrument	118015

Lender

Name	FIRST NATIONAL BANK IN HOWELL
Type	Bank
Address	HOWELL, MI 48843

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	May 25, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3460 SADDLE RDG, HIGHLAND, MI 48357-2536
Document Number	0000202801
Book / Page	051244 / 000146
Instrument Date	Oct 25, 2017
Transaction Type	Mortgage
Record Updated	Jan 03, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3460 SADDLE RDG HIGHLAND MI 483572536, HIGHLAND, MI 48357-2536

Mortgage

Document Number	0000202801
Date	Nov 01, 2017
Book Page	051244/000146
Instrument	202801

Lender

Name	JG WENTWORTH HM LNDG
Address	WOODBRIDGE, VA 22192

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 31, 2037

Tax Assessment & Valuation

Source: Oakland County records · Assessment roll updated January 21, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,706.00 (-32.77%) Homeowner's exemption	$199,440 (+19.23%)	$398,880 (+19.23%)
2024	$4,025.00 (+19.01%)
2023		$167,280	$334,560
2021	$3,382.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of December 8, 2024 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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

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

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: Verizon.

Based on FCC filings for 26 locations within half a mile of this property.

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