Oakland County property record for 489 Carnoustie, Highland, MI 48357
| Property Type | Condominium |
|---|---|
| Details | 4 bd · 2.5 ba · 2,853 sqft · built 2001 |
| Lot Size | 0.417 acres (18,165 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,873 (2025) |
| Deeds & Mortgages | Oct 2022 Line of Credit Jan 2021 Line of Credit + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | H-11-28-276-016 |
| Primary APN | H-11-28-276-016 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,853 sqft Living Area |
| 1st Floor Area | 2,184 sqft |
| Basement Area | 2,184 sqft |
| Unfinished Basement | 2,184 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Brick |
| Roof Type | Gable |
| Lot Area | 18,165 sqft (0.417 acres) |
| Garage Area | 634 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 70 sqft |
| Deck Area | 771 sqft |
| Patio Area | 771 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Septic |
| Street Address | 489 CARNOUSTIE |
|---|---|
| City | HIGHLAND |
| State | MI |
| Zip | 48357-4754 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | KI |
| Legal Description | T3N, R7E, SEC 27, 28 & 29 OAKLAND COUNTY CONDOMINIUM PLAN NO 875 PRESTWICK VILLAGE UNIT 197 L 14881 P 253 7-7-95 FR 251-001 |
| Legal Range | 07E |
| Legal Township | 03N |
| Legal Section | 02 |
| Legal Subdivision | OAKLAND COUNTY CONDOMINIUM |
| Legal Unit | 197 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | HIGHLAND |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 131300 |
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 | 489 CARNOUSTIE, HIGHLAND, MI 48357-4754 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 17, 2022 | Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB |
| Jan 28, 2021 | Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB |
| Sep 27, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| May 8, 2019 | Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB |
| Oct 20, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Oct 6, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Nov 22, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Oct 5, 2020 |
| Transfer Doc | 0000204780 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 489 CARNOUSTIE, HIGHLAND, MI 48357-4754 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2022 |
| Name | Verified Name |
|---|---|
| Address | 489 CARNOUSTIE, HIGHLAND, MI 48357-4754 |
| Document Number | 0000458555 |
|---|---|
| Date | Oct 17, 2022 |
| Book Page | 58190/731 |
| Instrument | 458555 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 489 CARNOUSTIE, HIGHLAND, MI 48357-4754 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2021 |
| Name | Verified Name |
|---|---|
| Address | 489 CARNOUSTIE, HIGHLAND, MI 48357-4754 |
| Document Number | 0000023748 |
|---|---|
| Date | Jan 28, 2021 |
| Book Page | 55590/411 |
| Instrument | 23748 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Dec 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 489 CARNOUSTIE, HIGHLAND, MI 48357-4754 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000180042 |
|---|---|
| Date | Sep 27, 2017 |
| Book Page | 51116/00464 |
| Instrument | 180042 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 489 CARNOUSTIE, HIGHLAND, MI 48357-4754 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0000071563 |
|---|---|
| Date | May 8, 2019 |
| Book Page | 52808/00001 |
| Instrument | 71563 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 489 CARNOUSTIE, HIGHLAND, MI 48357-4754 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 489 CAMOUSTIE, HIGHLAND, MI 48357 |
| Document Number | 0000217331 |
|---|---|
| Date | Oct 20, 2020 |
| Book Page | 55026/635 |
| Instrument | 217331 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Oct 6, 2020 |
| Property Address | 489 CARNOUSTIE, HIGHLAND, MI 48357-4754 |
| Document Number | 0000204780 |
| Book / Page | 054946 / 000634 |
| Instrument Date | Oct 5, 2020 |
| Instrument | 204780 |
| Transaction Type | Transfer |
| Record Updated | Nov 25, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 489 CARNOUSTIE HIGHLAND MI 483574754, HIGHLAND, MI 48357-4754 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Nov 22, 2017 |
| Property Address | 489 CARNOUSTIE, HIGHLAND, MI 48357-4754 |
| Document Number | 0000215466 |
| Book / Page | 051316 / 000583 |
| Instrument Date | Nov 8, 2017 |
| Instrument | 215466 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 489 CARNOUSTIE HIGHLAND MI 483574754, HIGHLAND, MI 48357-4754 |
Source: Oakland County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oakland County |
| County Subdivision | Highland Charter Township |
| Unified School District | Huron Valley Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,873.00 (-31.87%) Homeowner's exemption | $276,750 (+15.54%) | $553,500 (+15.54%) |
| 2024 | $5,685.00 (+19.16%) | ||
| 2023 | $239,530 | $479,060 | |
| 2021 | $4,771.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HIGHLAND TOWNSHIP serves 3,837 people · EPA ID MI0003312 |
|---|---|
| Water Source | Groundwater |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 193 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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