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5437 Old Cove Rd, Clarkston, MI 48346 Property Records

Oakland County property record for 5437 Old Cove Rd, Clarkston, MI 48346

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,635 sqft · built 1986
Lot Size0.344 acres (14,985 sqft)
OwnerIndividual Name on Record
Last Sale$220,000 (Jun 2017)
Tax Bill$2,663 (2025)
Deeds & MortgagesJul 2023 Line of Credit
Aug 2020 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APNJ-08-34-226-004

Property Details

APN / Parcel Number

Primary APNJ-08-34-226-004

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures4 Plumbing Fixtures
Total Rooms8 Rooms
Stories2 Stories
Building Area1,635 sqft Living Area
1st Floor Area972 sqft
Basement Area920 sqft
Finished Basement920 sqft
Game RoomGame Room
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1986
Effective Year BuiltEffective 1986
Exterior MaterialBrick
Foundation TypeSlab (Mat/Raft)
Roof MaterialAsphalt
Lot Area14,985 sqft (0.344 acres)
Garage Area404 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchSlab
Porch Area75 sqft
Deck Area392 sqft
Patio Area392 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas
SewerMunicipal

Location & Zoning

Street Address5437 OLD COVE RD
CityCLARKSTON
StateMI
Zip48346-3826
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1A
Legal DescriptionT4N, R9E, SEC 34 LAKE OAKLAND WOODS NO 3 LOT 161
Legal Range9E
Legal Township4N
Legal Section34
Legal SubdivisionOAKLAND
Legal Lot Number161
JurisdictionOAKLAND MI
Township / Civil DivisionINDEPENDENCE
Census Block Group4
Census Block4007
Census Tract127700

Owner

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 RecordIndividual Name on Record
Mailing Address5437 OLD COVE RD, CLARKSTON, MI 48346-3826
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 3, 2023Deed of Trust, Mortgage · Line of Credit
ADVIA CU
Aug 21, 2020Deed of Trust, Mortgage · Conventional Mortgage
AMERIFIRST FINANCIAL CORP
Aug 25, 2018Deed of Trust, Mortgage · Line of Credit
ADVIA CU
Jun 26, 2017Warranty Deed, Transfer · Conventional Mortgage
MORTGAGE CTR LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 26, 2017 · Amount on Record
Deed SaleJun 26, 2017 · Amount on Record
Prior SaleJul 26, 2000 · Amount on Record
Deed Document Number2017122022
Deed Book / Page50802 / 571
Record UpdatedOct 29, 2026

July 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOAKLAND MI
Property Address5437 OLD COVE RD, CLARKSTON, MI 48346-3826
Transaction TypeMortgage
Record UpdatedJul 17, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address5437 OLD COVE RD, CLARKSTON, MI 48346-3826
InvestorPossibly a Property Investor

Mortgage

Document Number0000071212
DateJul 3, 2023
Book Page58706/294
Instrument71212
Lender
NameADVIA CU
TypeCredit Union
AddressKALAMAZOO, MI 49009
Agreement
TypeLine of Credit
AmountAmount Recorded
Term240 Months
DueJul 2, 2043
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOAKLAND MI
Property Address5437 OLD COVE RD, CLARKSTON, MI 48346-3826
Transaction TypeMortgage
Record UpdatedOct 24, 2022
Title CompanyATA NATIONAL TITLE GROUP

Transferred To (Grantee/Buyer)

NameVerified Name
Address5437 OLD COVE RD, CLARKSTON, MI 48346-3826

Mortgage

Document Number0000168157
DateAug 21, 2020
Book Page54702/197
Instrument168157
Lender
NameAMERIFIRST FINANCIAL CORP
TypeFunding / Finance Company
AddressPORTAGE, MI 49002
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueSep 1, 2035

August 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOAKLAND MI
Property Address5437 OLD COVE RD, CLARKSTON, MI 48346-3826
Document Number0000150570
Instrument DateAug 25, 2018
Transaction TypeMortgage
Record UpdatedOct 5, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
Address5437 OLD COVE RD CLARKSTON MI 483463826, CLARKSTON, MI 48346-3826

Mortgage

Document Number0000150570
DateSep 12, 2018
Book Page052178/000018
Instrument150570
Lender
NameADVIA CU
TypeCredit Union
AddressPARCHMENT, MI 49004
Agreement
TypeLine of Credit
AmountAmount Recorded
Term240 Months
DueSep 11, 2038
Interest
Rate TypeAdjustable Rate

June 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOAKLAND MI
Recording DateJun 26, 2017
Property Address5437 OLD COVE RD, CLARKSTON, MI 48346-3826
Document Number0000122022
Book / Page050802 / 000571
Instrument DateJun 20, 2017
Instrument122022
Transaction TypeTransfer
Record UpdatedAug 23, 2018

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,892.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2938 MILITARY ST PORT HURON MI 480606631, PORT HURON, MI 48060-6631
InvestorPossibly a Property Investor

Mortgage

Document Number122023
DateJun 26, 2017
Book Page050802/000573
Instrument122023
Lender
NameMORTGAGE CTR LLC
TypeMortgage Company
AddressSOUTHFIELD, MI 48034
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 25, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMichigan
CountyOakland County
County SubdivisionIndependence Charter Township
Unified School DistrictClarkston Community School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,663.00 (-31.54%) Homeowner's exemption$171,300 (+19.54%) Land $38,000 Building $133,300$342,600 (+19.54%) Land $76,000 Building $266,600
2024$3,890.00 (+11.46%)
2023$143,300 Land $28,100 Building $115,200$286,600 Land $56,200 Building $230,400
2022$3,490.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskLow
lower than 99.1% of the US · lower than 98.4% of Michigan
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemINDEPENDENCE TOWNSHIP
serves 11,790 people · EPA ID MI0003342
Water SourceGroundwater
Last State InspectionNov 2024
Lead2 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 191 locations within half a mile, as of December 31, 2025

ProviderMax 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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