Oakland County property record for 5204 Old Cove Rd, Clarkston, MI 48346
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,357 sqft · built 1986 |
| Lot Size | 0.358 acres (15,594 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $170,000 (Oct 1997) |
| Tax Bill | $2,132 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Apr 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | J-08-34-204-015 |
| Primary APN | J-08-34-204-015 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 4 Plumbing Fixtures |
| Total Rooms | 11 Rooms |
| Stories | 1 Story |
| Building Area | 1,357 sqft Living Area |
| 1st Floor Area | 1,357 sqft |
| Basement Area | 1,336 sqft |
| Finished Basement | 1,336 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 15,594 sqft (0.358 acres) |
| Lot Dimensions | 228 ft deep x 70 ft wide |
| Garage Area | 397 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 40 sqft |
| Deck Area | 219 sqft |
| Patio Area | 551 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 5204 OLD COVE RD |
|---|---|
| City | CLARKSTON |
| State | MI |
| Zip | 48346-3821 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1A |
| Legal Description | T4N, R9E, SEC 34 LAKE OAKLAND WOODS NO 3 LOT 210 |
| Legal Range | 9E |
| Legal Township | 4N |
| Legal Section | 34 |
| Legal Subdivision | OAKLAND |
| Legal Lot Number | 210 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 127700 |
5204 Old Cove Rd is owned and occupied by two individuals who bought it in October 1997.
Source: Oakland County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5204 OLD COVE RD, CLARKSTON, MI 48346-3821 |
| 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.
| Date | Document |
|---|---|
| Mar 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HALL FINANCIAL GROUP |
| Apr 30, 2019 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 21, 1997 · Amount on File |
| Deed Sale | Oct 21, 1997 · Amount on File |
| Prior Sale | Apr 17, 1995 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 5204 OLD COVE RD, CLARKSTON, MI 48346-3821 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2021 |
| Name | Verified Name |
|---|---|
| Address | 5204 OLD COVE RD, CLARKSTON, MI 48346-3821 |
| Document Number | 0000065081 |
|---|---|
| Date | Mar 12, 2021 |
| Book Page | 55870/473 |
| Instrument | 65081 |
| Name | HALL FINANCIAL GROUP |
|---|---|
| Type | Non-Lending Institution |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 5204 OLD COVE RD, CLARKSTON, MI 48346-3821 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000066591 |
|---|---|
| Date | Apr 30, 2019 |
| Book Page | 52779/00040 |
| Instrument | 66591 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | CLARKSTON, MI 48346 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 5204 Old Cove Rd was $2,132 with a homeowner's exemption, down 31.6% from the year before.
Source: Oakland County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oakland County |
| County Subdivision | Independence Charter Township |
| Unified School District | Clarkston Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,132.00 (-31.56%) Homeowner's exemption | $189,900 Land $38,000 Building $151,900 | $379,800 Land $76,000 Building $303,800 |
| 2024 | $3,115.00 | ||
| 2023 | $159,400 Land $28,100 Building $131,300 | $318,800 Land $56,200 Building $262,600 | |
| 2022 | $2,794.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5204 Old Cove Rd 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 risk around 5204 Old Cove Rd 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 93% of the US · lower than 83% of Michigan |
|---|---|
| Wildfire Likelihood | Under 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 | 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 |
| 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 191 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 |
| Starlink Satellite | 280 / 30 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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