4635 Cooley Lake Rd, White Lake, MI 48383 Property Records

Oakland County property record for 4635 Cooley Lake Rd, White Lake, MI 48383

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,323 sqft · built 1988
Lot Size	1.12 acres (48,787 sqft)
Owner	2 Individual Names on Record
Last Sale	$207,000 (Aug 2008)
Tax Bill	$1,615 (2025)
Deeds & Mortgages	Jul 2026 Sale Sep 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`Y-12-31-451-018`

Property Details

APN / Parcel Number

Primary APN	`Y-12-31-451-018`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,323 sqft Living Area
1st Floor Area	886 sqft
Basement Area	874 sqft
Unfinished Basement	874 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Lot Area	48,787 sqft (1.12 acres)
Lot Depth	97.8 ft Depth
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	434 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	4635 COOLEY LAKE RD
City	WHITE LAKE
State	MI
Zip	48383-3217
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF
Legal Description	T3N, R8E, SEC 31 PART OF SE 1/4 BEG AT PT DIST N 87-50-58 E 665.70 FT & N 00-16-54 E 694.61 FT FROM S 1/4 COR, TH N 00-16-54 E 293.28 FT, TH S 89-43-06 E 166.22 FT, TH S 00-02-34 W 293.29 FT, TH N 89-43-06 W 167.44 FT TO BEG 1.12 A 12-13-01 FR 005
Legal Range	08E
Legal Township	03N
Legal Section	31
Jurisdiction	OAKLAND MI
Township / Civil Division	WHITE LAKE
Census Block Group	1
Census Block	1003
Census Tract	130300

Owner

Source: Oakland County records, as of July 21, 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 Record
Mailing Address	4635 COOLEY LAKE RD, WHITE LAKE, MI 48383-3217
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Sep 18, 2018	Deed of Trust, Mortgage · Conventional Mortgage LAKE TR CU
Jan 5, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2008 · Amount on Record
Deed Sale	Aug 11, 2008 · Amount on Record
Prior Sale	Mar 13, 2002 · Amount on Record
Deed Document Number	2008149701
Deed Book / Page	40519 / 60
Last Transfer Date	Dec 26, 2017
Transfer Doc	0000003371
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jul 10, 2026
Property Address	4635 COOLEY LAKE RD, WHITE LAKE, MI 48383-3217
Document Number	0000099392
Book / Page	61353 / 389
Instrument Date	Jun 29, 2026
Instrument	202699392
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	4635 COOLEY LAKE RD, WHITE LAKE, MI 48383-3217

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	4635 COOLEY LAKE RD, WHITE LAKE, MI 48383-3217
Document Number	0000156687
Instrument Date	Sep 18, 2018
Transaction Type	Mortgage
Record Updated	Oct 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4635 COOLEY LAKE RD WHITE LAKE MI 483833217, WHITE LAKE, MI 48383-3217

Mortgage

Document Number	0000156687
Date	Sep 24, 2018
Book Page	052208/000757
Instrument	156687

Lender

Name	LAKE TR CU
Type	Funding / Finance Company
Address	BRIGHTON, MI 48114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 23, 2033

January 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OAKLAND MI
Recording Date	Jan 5, 2018
Property Address	4635 COOLEY LAKE RD, WHITE LAKE, MI 48383-3217
Document Number	0000003371
Book / Page	51450 / 00018
Instrument Date	Dec 26, 2017
Instrument	003371
Transaction Type	Transfer
Record Updated	Jun 29, 2021
Title Company	TITLE SOURCE INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8513 BAY HILL BLVD, 8513, ORLANDO, FL 32819-4917

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4635 COOLEY LAKE RD, WHITE LAKE, MI 48383-3217

Mortgage

Document Number	0000003372
Date	Jan 5, 2018
Instrument	003372

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2033

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
County Subdivision	White Lake Charter Township
Unified School District	Huron Valley Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,615.00 (-38.34%) Homeowner's exemption	$136,010 (+17.67%)	$272,020 (+17.67%)
2024	$2,619.00 (+17.92%)
2023		$115,590	$231,180
2021	$2,221.00

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cooley Lake Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures