3997 Loch Dr, Highland, MI 48357 Property Records

Oakland County property record for 3997 Loch Dr, Highland, MI 48357

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,672 sqft · built 1987
Lot Size	0.383 acres (16,683 sqft)
Owner	2 Individual Names on File
Last Sale	$185,000 (Sep 2017)
Tax Bill	$2,394 (2025)
Deeds & Mortgages	May 2023 Second Mortgage Jun 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`H-11-09-176-003`

Property Details

APN / Parcel Number

Primary APN	`H-11-09-176-003`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Building Area	1,672 sqft Living Area
1st Floor Area	1,158 sqft
Basement Area	591 sqft
Unfinished Basement	591 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Roof Type	Gable
Lot Area	16,683 sqft (0.383 acres)
Lot Dimensions	223 ft deep x 75 ft wide
Terrain	Rolling
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	304 sqft
Deck Area	275 sqft
Patio Area	275 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	3997 LOCH DR
City	HIGHLAND
State	MI
Zip	48357-2233
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SI
Legal Description	T3N, R7E, SEC 9 HIGHLAND HILLS NO 3 LOT 206
Legal Range	07E
Legal Township	03N
Legal Section	09
Legal Subdivision	HIGHLAND
Legal Lot Number	206
Jurisdiction	OAKLAND MI
Township / Civil Division	HIGHLAND
Census Block Group	1
Census Block	1007
Census Tract	131600

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	3997 LOCH DR, HIGHLAND, MI 48357-2233
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 25, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Jun 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN LEGACY CU
Nov 10, 2018	Deed of Trust, Mortgage · Conventional Mortgage LAKE MI CU
Sep 21, 2017	Warranty Deed, Transfer · Conventional with PMI MICHIGAN LEGACY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2017 · Amount on File
Deed Sale	Sep 21, 2017 · Amount on File
Prior Sale	Dec 1, 2011 · Amount on File
Deed Document Number	20176658
Deed Book / Page	51098 / 234
Prior Transfer Date	Sep 5, 2005
Prior Transfer Doc	0000281979
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3997 LOCH DR, HIGHLAND, MI 48357-2233
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3997 LOCH DR, HIGHLAND, MI 48357-2233

Mortgage

Document Number	0000057400
Date	May 25, 2023
Book Page	58627/647
Instrument	57400

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	May 24, 2033

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3997 LOCH DR, HIGHLAND, MI 48357-2233
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3997 LOCH DR, HIGHLAND, MI 48357-2233

Mortgage

Document Number	0000157104
Date	Jun 21, 2021
Book Page	56425/86
Instrument	157104

Lender

Name	MICHIGAN LEGACY CU
Type	Credit Union
Address	WYANDOTTE, MI 48192

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2036

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3997 LOCH DR, HIGHLAND, MI 48357-2233
Document Number	0000199114
Instrument Date	Nov 10, 2018
Transaction Type	Mortgage
Record Updated	Jan 13, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3997 LOCH DR HIGHLAND MI 483572233, HIGHLAND, MI 48357-2233

Mortgage

Document Number	0000199114
Date	Dec 11, 2018
Book Page	052427/000117
Instrument	199114

Lender

Name	LAKE MI CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501-2848

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Dec 10, 2028

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Sep 21, 2017
Property Address	3997 LOCH DR, HIGHLAND, MI 48357-2233
Document Number	0000176658
Book / Page	051098 / 000234
Instrument Date	Sep 13, 2017
Instrument	176658
Transaction Type	Transfer
Record Updated	Oct 26, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,591.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2761 OPAL LN MILFORD MI 483803394, MILFORD, MI 48380-3394

Mortgage

Document Number	180159
Date	Sep 21, 2017
Book Page	051117/000461
Instrument	180159

Lender

Name	MICHIGAN LEGACY CU
Address	PONTIAC, MI 48342

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 20, 2047

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	$2,394.00 (-33.17%) Homeowner's exemption	$149,210 (+13.52%)	$298,420 (+13.52%)
2024	$3,582.00 (+18.96%)
2023		$131,440	$262,880
2021	$3,011.00

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 500 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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