3938 Loch Dr, Highland, MI 48357 Property Records

Oakland County property record for 3938 Loch Dr, Highland, MI 48357

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,152 sqft · built 1998
Lot Size	0.276 acres (12,023 sqft)
Owner	2 Individual Names on File
Last Sale	$430,000 (Oct 2026)
Tax Bill	$3,022 (2025)
Deeds & Mortgages	Oct 2026 Sale Dec 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`H-11-09-177-035`

Property Details

APN / Parcel Number

Primary APN	`H-11-09-177-035`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,152 sqft Living Area
1st Floor Area	1,135 sqft
Basement Area	1,159 sqft
Unfinished Basement	1,135 sqft
Game Room	Game Room

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Lot Area	12,023 sqft (0.276 acres)
Lot Dimensions	131 ft deep x 56 ft wide
View / Lot	Waterfront
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	24 sqft
Deck Area	296 sqft
Patio Area	296 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	3938 LOCH DR
City	HIGHLAND
State	MI
Zip	48357-2232
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LI
Legal Description	T3N, R7E, SEC 9 HIGHLAND HILLS NO 3 LOT 157
Legal Range	07E
Legal Township	03N
Legal Section	09
Legal Subdivision	HIGHLAND
Legal Lot Number	157
Jurisdiction	OAKLAND MI
Township / Civil Division	HIGHLAND
Census Block Group	1
Census Block	1006
Census Tract	131600

Owner

3938 Loch Dr is owned and occupied by two individuals who bought it in October 2026.

Source: Oakland County records, as of October 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	9314 N LARSON RD, FREE SOIL, MI 49411-9610
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

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
Oct 2, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Dec 13, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Jul 31, 2017	Quit Claim Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 2026 · Amount on File
Deed Sale	Oct 2, 2026 · Amount on File
Prior Sale	Apr 26, 2012 · Amount on File
Deed Document Number	2026146268
Deed Book / Page	61605 / 356
Prior Transfer Date	Nov 4, 2024
Prior Transfer Doc	0000128623
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Oct 2, 2026
Property Address	3938 LOCH DR, HIGHLAND, MI 48357-2232
Document Number	0000146268
Book / Page	61605 / 356
Instrument Date	Sep 28, 2026
Instrument	2026146268
Transaction Type	Transfer
Record Updated	Oct 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$325,725.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9314 N LARSON RD, FREE SOIL, MI 49411-9610

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	Dec 13, 2018
Property Address	3938 LOCH DR, HIGHLAND, MI 48357-2232
Document Number	0000200240
Book / Page	052433 / 000298
Instrument Date	Dec 3, 2018
Instrument	200240
Transaction Type	Transfer
Record Updated	Jan 8, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3938 LOCH DR HIGHLAND MI 483572232, HIGHLAND, MI 48357-2232

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	Jul 31, 2017
Property Address	3938 LOCH DR, HIGHLAND, MI 48357-2232
Document Number	0000142967
Book / Page	050915 / 000541
Instrument Date	Jul 17, 2017
Instrument	142967
Transaction Type	Transfer
Record Updated	Aug 14, 2017
Title Company	TITLE SOURCE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3938 LOCH DR HIGHLAND MI 483572232, HIGHLAND, MI 48357-2232

Mortgage

Document Number	142968
Date	Jul 31, 2017
Book Page	050915/000543
Instrument	142968

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jul 30, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 3938 Loch Dr was $3,022 with a homeowner's exemption, down 39.6% 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	Highland Charter Township
Unified School District	Huron Valley Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,022.00 (-39.64%) Homeowner's exemption	$183,060	$366,120
2024	$5,007.00
2023		$167,640	$335,280
2021	$4,291.00

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 3938 Loch Dr 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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 3938 Loch Dr is low, with less than 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 94% of the US · lower than 87% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 230 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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