4669 Charest Ave, Waterford, MI 48327 Property Records

Oakland County property record for 4669 Charest Ave, Waterford, MI 48327

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,210 sqft · built 2019
Lot Size	0.31 acres (13,504 sqft)
Owner	Trust Name on File
Last Sale	$899,000 (Oct 2020)
Tax Bill	$8,955 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`W-13-34-306-026`

Property Details

APN / Parcel Number

Primary APN	`W-13-34-306-026`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	2,210 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	13,504 sqft (0.31 acres)
Lot Dimensions	200 ft deep x 40 ft wide
View / Lot	Waterfront
Garage Area	524 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	88 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4669 CHAREST AVE
City	WATERFORD
State	MI
Zip	48327-3405
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LI
Legal Description	T3N, R9E, SEC 34 CHETOLAH SHORES SUB LOTS 32 & 33 BLK 42 9-9-92 FR 011 & 012
Legal Range	09E
Legal Township	03N
Legal Section	34
Legal Subdivision	CHETOLAH SHORES SUB
Legal Block	42
Legal Lot Number	32-33
Jurisdiction	OAKLAND MI
Township / Civil Division	WATERFORD
Census Block Group	1
Census Block	1004
Census Tract	145200

Owner

4669 Charest Ave is owner-occupied and held in a trust since October 2020.

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	Trust Name on File
Mailing Address	4669 CHAREST AVE, WATERFORD, MI 48327-3405
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2025	Deed of Trust, Mortgage · Line of Credit THE DART BANK
Oct 1, 2020	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
May 18, 2017	Warranty Deed, Transfer REPUTATION FIRST TITLE AGENCY, REPUTATION FIRST TITLE AGCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2020 · Amount on File
Deed Sale	Oct 1, 2020 · Amount on File
Prior Sale	May 18, 2017 · Amount on File
Deed Document Number	2020201783
Deed Book / Page	54924 / 135
Prior Transfer Date	Aug 17, 2004
Prior Transfer Doc	0000363584
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	4669 CHAREST AVE, WATERFORD, MI 48327-3405
Transaction Type	Mortgage
Record Updated	Oct 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4669 CHAREST AVE, WATERFORD, MI 48327-3405

Mortgage

Document Number	0000133842
Date	Oct 21, 2025
Book Page	60643/117
Instrument	133842

Lender

Name	THE DART BANK
Type	Bank
Address	LANSING, MI 48912

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Oct 28, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Oct 1, 2020
Property Address	4669 CHAREST AVE, WATERFORD, MI 48327-3405
Document Number	0000201783
Book / Page	54924 / 135
Map Reference	LB 4 PG 16&16A-16D
Instrument Date	Jul 14, 2020
Instrument	201783
Transaction Type	Transfer
Record Updated	Jun 29, 2021
Title Company	REPUTATION FIRST TTL AGCY LL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,731.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4669 CHAREST AVE, 4669, WATERFORD, MI 48327-3405

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1038 PELHARN BOULEVARD, WATERFORD, MI 48328-4253

Mortgage

Document Number	0054924136
Date	Oct 1, 2020
Instrument	54924/136

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2035

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	May 18, 2017
Property Address	4669 CHAREST AVE, WATERFORD, MI 48327-3405
Document Number	0000097895
Book / Page	050682 / 000760
Instrument Date	May 1, 2017
Instrument	97895
Transaction Type	Transfer
Record Updated	Jun 21, 2017
Title Company	REPUTATION FIRST TITLE AGENCY, REPUTATION FIRST TITLE AGCY

Transaction

Amount	Amount on Record
Tax	$1,960.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4669 CHAREST AVE WATERFORD MI 483273405, WATERFORD, MI 48327-3405

Tax Assessment & Valuation

The 2025 property tax bill for 4669 Charest Ave was $8,955 with a homeowner's exemption, down 39.8% 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	Waterford Charter Township
Unified School District	Waterford School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,955.00 (-39.85%) Homeowner's exemption	$425,840	$851,680
2024	$14,887.00
2023		$394,750	$789,500
2021	$12,861.00

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 4669 Charest Ave in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective December 8, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (1991–2004)
Claims Outside the SFHA	1 of 3
Most Recent Claim	May 2004 · Severe Storms, Tornadoes, And Flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 4669 Charest Ave 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 98% of the US · lower than 95% 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	WATERFORD TOWNSHIP serves 73,441 people · EPA ID MI0006910
Water Source	Groundwater
Last State Inspection	Sep 2021
Lead	1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jan 2023
Monitoring and Reporting	1 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 319 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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