3980 Loch Dr, Highland, MI 48357 Property Records

Oakland County property record for 3980 Loch Dr, Highland, MI 48357

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,039 sqft · built 1976
Lot Size	0.644 acres (28,053 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,029 (2025)
Deeds & Mortgages	Jan 2026 Second Mortgage Aug 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`H-11-09-177-023`

Property Details

APN / Parcel Number

Primary APN	`H-11-09-177-023`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	9 Rooms
Building Area	2,039 sqft Living Area
1st Floor Area	1,076 sqft
Basement Area	520 sqft
Unfinished Basement	520 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Bi-Level
Exterior Material	Stucco
Roof Type	Gable
Lot Area	28,053 sqft (0.644 acres)
Lot Dimensions	265 ft deep x 122 ft wide
View / Lot	Waterfront
Garage Area	489 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	381 sqft
Deck Area	121 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	3980 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 150
Legal Range	07E
Legal Township	03N
Legal Section	09
Legal Subdivision	HIGHLAND
Legal Lot Number	150
Jurisdiction	OAKLAND MI
Township / Civil Division	HIGHLAND
Census Block Group	1
Census Block	1006
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	3980 LOCH DR, HIGHLAND, MI 48357-2232
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Aug 30, 2017	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jan 29, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Nov 23, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Aug 6, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 4, 2020
Transfer Doc	0000154845
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3980 LOCH DR, HIGHLAND, MI 48357-2232
Transaction Type	Mortgage
Record Updated	Feb 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3980 LOCH DR, HIGHLAND, MI 48357-2232

Mortgage

Document Number	20260011840
Date	Jan 27, 2026
Book Page	60903/427
Instrument	20260011840

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2046

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3980 LOCH DR, HIGHLAND, MI 48357-2232
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000163537
Date	Aug 30, 2017
Book Page	51026/00879
Instrument	163537

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3980 LOCH DR, HIGHLAND, MI 48357-2232
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021434
Date	Jan 29, 2020
Book Page	53773/00312
Instrument	21434

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	332 Months
Due	Sep 1, 2047

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3980 LOCH DR, HIGHLAND, MI 48357-2232
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3980 LOCH DR, HIGHLAND, MI 48357-2232

Mortgage

Document Number	0000247319
Date	Nov 23, 2020
Book Page	55221/48
Instrument	247319

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	323 Months
Due	Oct 1, 2047

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	Aug 6, 2020
Property Address	3980 LOCH DR, HIGHLAND, MI 48357-2232
Document Number	0000154845
Book / Page	054614 / 000800
Instrument Date	Aug 4, 2020
Instrument	154845
Transaction Type	Transfer
Record Updated	Sep 1, 2020
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	Tenants by the Entirety
Address	3980 LOCH DR HIGHLAND MI 483572232, HIGHLAND, MI 48357-2232

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	$2,029.00 (-43.58%) Homeowner's exemption	$168,480 (+8.51%)	$336,960 (+8.51%)
2024	$3,596.00 (+15.66%)
2023		$155,260	$310,520
2021	$3,109.00

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
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

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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