Oakland County property record for 5320 Old Cove Rd, Clarkston, MI 48346
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,635 sqft · built 1985 |
| Lot Size | 0.253 acres (11,021 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $210,000 (Dec 2017) |
| Tax Bill | $2,695 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Dec 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | J-08-34-204-002 |
| Primary APN | J-08-34-204-002 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 1,635 sqft Living Area |
| 1st Floor Area | 972 sqft |
| Basement Area | 920 sqft |
| Finished Basement | 920 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Wood Siding |
| Lot Area | 11,021 sqft (0.253 acres) |
| Lot Dimensions | 145 ft deep x 76 ft wide |
| Garage Area | 404 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 69 sqft |
| Deck Area | 304 sqft |
| Patio Area | 304 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 5320 OLD COVE RD |
|---|---|
| City | CLARKSTON |
| State | MI |
| Zip | 48346-3823 |
| 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 217 |
| Legal Range | 9E |
| Legal Township | 4N |
| Legal Section | 34 |
| Legal Subdivision | OAKLAND |
| Legal Lot Number | 217 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 127700 |
Source: Oakland County records, as of July 30, 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 | 5320 OLD COVE RD, CLARKSTON, MI 48346-3823 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 21, 2026 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Dec 15, 2021 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Mar 22, 2021 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC |
| Dec 7, 2017 | Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 7, 2017 · Amount on Record |
| Deed Sale | Dec 7, 2017 · Amount on Record |
| Prior Sale | May 28, 2015 · Amount on Record |
| Deed Document Number | 2017224007 |
| Deed Book / Page | 51364 / 745 |
| Prior Transfer Date | Dec 23, 1997 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Jul 21, 2026 |
| Property Address | 5320 OLD COVE RD, CLARKSTON, MI 48346-3823 |
| Document Number | 0000109387 |
| Book / Page | 61390 / 384 |
| Instrument Date | Jul 10, 2026 |
| Instrument | 2026109387 |
| Transaction Type | Mortgage |
| Record Updated | Jul 30, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 5320 OLD COVE RD, CLARKSTON, MI 48346-3823 |
| Document Number | 0000109387, |
|---|---|
| Date | Jul 21, 2026 |
| Book Page | 61390/384 |
| Instrument | 2026109387 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 5320 OLD COVE RD, CLARKSTON, MI 48346-3823 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 5320 OLD COVE RD, CLARKSTON, MI 48346-3823 |
| Document Number | 0000274711 |
|---|---|
| Date | Dec 15, 2021 |
| Book Page | 57179/820 |
| Instrument | 274711 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 5320 OLD COVE RD, CLARKSTON, MI 48346-3823 |
| Transaction Type | Mortgage |
| Record Updated | Apr 19, 2021 |
| Name | Verified Name |
|---|---|
| Address | 5320 OLD COVE RD, CLARKSTON, MI 48346-3823 |
| Document Number | 0000073440 |
|---|---|
| Date | Mar 22, 2021 |
| Book Page | 55924/686 |
| Instrument | 73440 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Dec 7, 2017 |
| Property Address | 5320 OLD COVE RD, CLARKSTON, MI 48346-3823 |
| Document Number | 0000224007 |
| Book / Page | 051364 / 000745 |
| Instrument Date | Dec 5, 2017 |
| Instrument | 224007 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2018 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,806.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2500 MANN RD #375 CLARKSTON MI 483464292, 375, CLARKSTON, MI 48346-4292 |
| Document Number | 224008 |
|---|---|
| Date | Dec 7, 2017 |
| Book Page | 051364/000747 |
| Instrument | 224008 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 6, 2047 |
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 | $2,695.00 (-31.55%) Homeowner's exemption | $174,200 (+19.4%) Land $38,000 Building $136,200 | $348,400 (+19.4%) Land $76,000 Building $272,400 |
| 2024 | $3,937.00 (+11.47%) | ||
| 2023 | $145,900 Land $28,100 Building $117,800 | $291,800 Land $56,200 Building $235,600 | |
| 2022 | $3,532.00 |
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
| 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.
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.
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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