4540 Independence Dr, Clarkston, MI 48346 Property Records

Oakland County property record for 4540 Independence Dr, Clarkston, MI 48346

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,409 sqft · built 1957
Lot Size	0.414 acres (18,034 sqft)
Owner	Individual Name on File
Last Sale	$247,000 (Sep 2021)
Tax Bill	$2,252 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Nov 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`J-08-34-327-021`

Property Details

APN / Parcel Number

Primary APN	`J-08-34-327-021`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,409 sqft Living Area
1st Floor Area	1,409 sqft
Basement Area	1,409 sqft
Unfinished Basement	1,409 sqft
Interior Walls	Wood

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Exterior Material	Wood Siding
Foundation Type	Slab (Mat/Raft)
Lot Area	18,034 sqft (0.414 acres)
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	135 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4540 INDEPENDENCE DR
City	CLARKSTON
State	MI
Zip	48346-3728
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	T4N, R9E, SEC 34 PELTON HEIGHTS SUB NO 1 LOT 45
Legal Range	9E
Legal Township	4N
Legal Section	34
Legal Subdivision	PELTON HEIGHTS NO 1
Legal Lot Number	45
Jurisdiction	OAKLAND MI
Township / Civil Division	INDEPENDENCE
Census Block Group	2
Census Block	2012
Census Tract	127400

Owner

4540 Independence Dr is owned and occupied by an individual who bought it in September 2021.

Source: Oakland County records, as of July 16, 2026

Owner of Record	Individual Name on File
Mailing Address	4540 INDEPENDENCE DR, CLARKSTON, MI 48346-3728
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 2, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Nov 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage CASON HOME LOANS
Sep 17, 2021	Warranty Deed, Transfer · Conventional Mortgage CASON HOME LOANS
Nov 26, 2019	Warranty Deed, Transfer · VA Mortgage QUICKEN LNS
Dec 4, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2021 · Amount on File
Deed Sale	Sep 17, 2021 · Amount on File
Prior Sale	Nov 26, 2019 · Amount on File
Deed Document Number	2021223934
Deed Book / Page	56868 / 20
Prior Transfer Date	May 6, 2011
Prior Transfer Doc	0000095855
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	4540 INDEPENDENCE DR, CLARKSTON, MI 48346-3728
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4540 INDEPENDENCE DR, CLARKSTON, MI 48346-3728

Mortgage

Document Number	0000055386
Date	Mar 2, 2021
Book Page	55806/52
Instrument	55386

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jan 1, 2051

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	4540 INDEPENDENCE DR, CLARKSTON, MI 48346-3728
Transaction Type	Mortgage
Record Updated	Feb 10, 2023
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9125 OAKHILL RD, HOLLY, MI 48442-8842

Mortgage

Document Number	0000253227
Date	Nov 4, 2021
Book Page	57054/449
Instrument	253227

Lender

Name	CASON HOME LOANS
Type	Mortgage Company
Address	NORTH PALM BEACH, FL 33408

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Oct 1, 2051

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Sep 17, 2021
Property Address	4540 INDEPENDENCE DR, CLARKSTON, MI 48346-3728
Document Number	0000223934
Book / Page	56868 / 20
Map Reference	LB 80 PG 38
Instrument Date	Sep 17, 2021
Instrument	223934
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	PREMIER TITLE AGENCY INC, PREMIER TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,124.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4540 INDEPENDENCE DR, CLARKSTON, MI 48346-3728

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4540 INDEPENDENCE DR, CLARKSTON, MI 48346-3728

Mortgage

Document Number	0057054449
Date	Sep 17, 2021
Instrument	57054/449

Lender

Name	CASON HOME LOANS
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Nov 26, 2019
Property Address	4540 INDEPENDENCE DR, CLARKSTON, MI 48346-3728
Document Number	0000199213
Book / Page	053551 / 000742
Instrument Date	Oct 30, 2019
Instrument	199213
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	PREMIER TITLE COMPANY, PREMIER TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,664.10
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18004 AIRPORT FRASER MI 480263133, FRASER, MI 48026-3133

Mortgage

Document Number	183262
Date	Nov 26, 2019
Book Page	053456/000822
Instrument	183262

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 25, 2049

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	4540 INDEPENDENCE DR, CLARKSTON, MI 48346-3728
Document Number	0000225727
Book / Page	051373 / 000709
Instrument Date	Dec 4, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4540 INDEPENDENCE DR CLARKSTON MI 483463728, CLARKSTON, MI 48346-3728

Mortgage

Document Number	0000225727
Date	Dec 11, 2017
Book Page	051373/000709
Instrument	225727

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 10, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4540 Independence Dr was $2,252 with a homeowner's exemption, down 32.8% 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	Independence Charter Township
Unified School District	Clarkston Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,252.00 (-32.76%) Homeowner's exemption	$125,300 Land $37,500 Building $87,800	$250,600 Land $75,000 Building $175,600
2024	$3,349.00
2023		$106,300 Land $28,100 Building $78,200	$212,600 Land $56,200 Building $156,400
2022	$2,952.00

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 4540 Independence Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 8, 2024

FEMA Flood Zone	Zone X minimal risk
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 4540 Independence 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 99.1% of the US · lower than 98.4% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	INDEPENDENCE TOWNSHIP serves 11,790 people · EPA ID MI0003342
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 312 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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