3645 E Clarkston Rd, Oakland, MI 48363 Property Records

Oakland County property record for 3645 E Clarkston Rd, Oakland, MI 48363

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,963 sqft · built 1973
Lot Size	1.37 acres (59,677 sqft)
Owner	Trust Name on File
Last Sale	$209,900 (Nov 1999)
Tax Bill	$3,589 (2025)
Deeds & Mortgages	Nov 2022 Transfer Oct 2021 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`N-10-18-126-005`

Property Details

APN / Parcel Number

Primary APN	`N-10-18-126-005`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,963 sqft Living Area
1st Floor Area	1,557 sqft
Basement Area	1,557 sqft
Unfinished Basement	1,557 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Colonial
Exterior Material	Brick
Construction Type	Brick
Roof Type	Mansard
Lot Area	59,677 sqft (1.37 acres)
Terrain	Rolling
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	345 sqft
Deck Area	948 sqft
Patio Area	948 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	3645 E CLARKSTON RD
City	OAKLAND
State	MI
Zip	48363-1933
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SI
Legal Description	T4N, R11E, SEC 18 PART OF NW FRC 1/4 BEG AT PT DIST N 88-45-00 W 541.64 FT FROM N 1/4 COR, TH S 02-30-00 W 392.00 FT, TH N 88-45-00 W 167.00 FT, TH N 02-30-00 E 392.00 FT, TH S 88-45-00 E 167.00 FT TO BEG 1.50 A N225B-2
Legal Range	11E
Legal Township	04N
Legal Section	18
Jurisdiction	OAKLAND MI
Township / Civil Division	OAKLAND
Census Block Group	1
Census Block	1019
Census Tract	190400

Owner

3645 E Clarkston Rd is owner-occupied and held in a trust since August 2022.

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

Owner of Record	Trust Name on File
Mailing Address	3645 E CLARKSTON RD, OAKLAND, MI 48363-1933
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Living Trust

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

Date	Document
Nov 30, 2022	Intrafamily Transfer, Transfer
Oct 12, 2021	Deed of Trust, Mortgage · Line of Credit GENISYS CU
Jan 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage TOWNE MORTGAGE CO
Sep 29, 2020	Deed of Trust, Mortgage · Line of Credit GENISYS CU
Jul 23, 2020	Deed of Trust, Mortgage · Conventional with PMI GENISYS CU
Apr 14, 2017	Deed of Trust, Mortgage · Conventional Mortgage TOWNE MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 19, 1999 · Amount on File
Deed Sale	Nov 19, 1999 · Amount on File
Last Transfer Date	Aug 3, 2022
Transfer Doc	0000476515
Record Updated	Sep 20, 2026

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OAKLAND MI
Recording Date	Nov 30, 2022
Property Address	3645 E CLARKSTON RD, OAKLAND, MI 48363-1933
Document Number	0000476515
Book / Page	58287 / 110
Instrument Date	Aug 3, 2022
Instrument	476515
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3645 E CLARKSTON RD, OAKLAND, MI 48363-1933

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	3645 E CLARKSTON RD, OAKLAND, MI 48363-1933

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3645 E CLARKSTON RD, OAKLAND, MI 48363-1933
Transaction Type	Mortgage
Record Updated	Dec 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3645 E CLARKSTON RD, OAKLAND, MI 48363-1933

Mortgage

Document Number	0000242290
Date	Oct 12, 2021
Book Page	56982/698
Instrument	242290

Lender

Name	GENISYS CU
Type	Credit Union
Address	AUBURN HILLS, MI 48326

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Sep 10, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3645 E CLARKSTON RD, OAKLAND, MI 48363-1933
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002871
Date	Jan 4, 2019
Book Page	52484/00325
Instrument	002871

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2049

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3645 E CLARKSTON RD, OAKLAND, MI 48363-1933
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000151648
Date	Sep 17, 2019
Book Page	53259/00044
Instrument	151648

Lender

Name	TOWNE MORTGAGE CO
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3645 E CLARKSTON RD, OAKLAND, MI 48363-1933
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3645 E CLARKSTON RD, OAKLAND, MI 48363-1933

Mortgage

Document Number	0000198286
Date	Sep 29, 2020
Book Page	54903/500
Instrument	198286

Lender

Name	GENISYS CU
Type	Credit Union
Address	AUBURN HILLS, MI 48326

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Aug 25, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3645 E CLARKSTON RD, OAKLAND, MI 48363-1933
Document Number	0000149149
Instrument Date	Jul 23, 2020
Transaction Type	Mortgage
Record Updated	Aug 18, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3645 E CLARKSTON RD OAKLAND MI 483631933, OAKLAND, MI 48363-1933

Mortgage

Document Number	0000149149
Date	Jul 29, 2020
Book Page	054579/000133
Instrument	149149

Lender

Name	GENISYS CU
Type	Credit Union
Address	AUBURN HILLS, MI 48326

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 28, 2050

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3645 E CLARKSTON RD, OAKLAND, MI 48363-1933
Document Number	0000081907
Book / Page	050597 / 000093
Instrument Date	Apr 14, 2017
Transaction Type	Mortgage
Record Updated	Jun 22, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3645 E CLARKSTON RD OAKLAND MI 483631933, OAKLAND, MI 48363-1933

Mortgage

Document Number	0000081907
Date	Apr 21, 2017
Book Page	050597/000093
Instrument	81907

Lender

Name	TOWNE MTG
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 20, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3645 E Clarkston Rd was $3,589 with a homeowner's exemption, down 20.7% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
County Subdivision	Oakland Charter Township
Unified School District	Lake Orion Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,589.00 (-20.67%) Homeowner's exemption	$204,820	$409,640
2024	$4,524.00
2023		$178,210	$356,420
2021	$3,914.00

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

Flood

FEMA maps place 3645 E Clarkston Rd in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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

Wildfire risk around 3645 E Clarkston Rd is low, with a 0.01% annual chance of 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 72 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: AT&T.

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