5708 Garnet Cir, Clarkston, MI 48348 Property Records

Oakland County property record for 5708 Garnet Cir, Clarkston, MI 48348

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,123 sqft · built 1992
Lot Size	0.371 acres (16,161 sqft)
Owner	2 Individual Names on Record
Last Sale	$320,000 (Dec 2020)
Tax Bill	$3,582 (2025)
Deeds & Mortgages	Aug 2023 Second Mortgage Nov 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`J-08-10-401-049`

Property Details

APN / Parcel Number

Primary APN	`J-08-10-401-049`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,123 sqft Living Area
1st Floor Area	1,070 sqft
Basement Area	1,053 sqft
Finished Basement	1,053 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Wood Siding
Foundation Type	Slab (Mat/Raft)
Lot Area	16,161 sqft (0.371 acres)
Lot Dimensions	16,161 ft deep x 1 ft wide
Garage Area	523 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	125 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	5708 GARNET CIR
City	CLARKSTON
State	MI
Zip	48348-3060
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	T4N, R9E, SEC 10 STONE VALLEY LOT 5 9-21-92 FR 024
Legal Range	9E
Legal Township	4N
Legal Section	10
Legal Subdivision	STONE VALLEY
Legal Lot Number	5,9
Jurisdiction	OAKLAND MI
Township / Civil Division	INDEPENDENCE
Census Block Group	1
Census Block	1014
Census Tract	127000

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 Record	2 Individual Names on Record
Mailing Address	5708 GARNET CIR, CLARKSTON, MI 48348-3060
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GENISYS CU
Nov 13, 2020	Deed of Trust, Mortgage · Conventional with PMI MERCANTILE BK/MI
Dec 29, 2020	Warranty Deed, Transfer CAPITAL TITLE INS AGCY INC
Aug 12, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Oct 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 2020 · Amount on Record
Deed Sale	Dec 29, 2020 · Amount on Record
Prior Sale	Aug 25, 2000 · Amount on Record
Deed Document Number	2020275918
Deed Book / Page	55407 / 225
Prior Transfer Date	Jul 18, 2020
Prior Transfer Doc	0000158898
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	5708 GARNET CIR, CLARKSTON, MI 48348-3060
Transaction Type	Mortgage
Record Updated	Aug 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5708 GARNET CIR, CLARKSTON, MI 48348-3060

Mortgage

Document Number	0000090029
Date	Aug 17, 2023
Book Page	58814/41
Instrument	90029

Lender

Name	GENISYS CU
Type	Credit Union
Address	AUBURN HILLS, MI 48326

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 16, 2033

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	5708 GARNET CIR, CLARKSTON, MI 48348-3060
Document Number	0000192812
Instrument Date	Nov 13, 2020
Transaction Type	Mortgage
Record Updated	Jan 7, 2021
Title Company	PREMIER TITLE COMPANY, PREMIER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	26748 CHRISTY DR CHESTERFIELD MI 480511534, CHESTERFIELD, MI 48051-1534

Mortgage

Document Number	0000192812
Date	Nov 16, 2020
Book Page	055184/000759
Instrument	192812

Lender

Name	MERCANTILE BK/MI
Type	Bank
Address	GRAND RAPIDS, MI 49504

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 15, 2050

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Dec 29, 2020
Property Address	5708 GARNET CIR, CLARKSTON, MI 48348-3060
Document Number	0000275918
Book / Page	55407 / 225
Map Reference	LB 221 PG 35-37
Instrument Date	Nov 13, 2020
Instrument	275918
Transaction Type	Transfer
Record Updated	Jun 29, 2021
Title Company	CAPITAL TITLE INS AGCY INC

Transaction

Amount	Amount Recorded
Tax	$2,752.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5708 GARNET CIR, 5708, CLARKSTON, MI 48348-3060

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5708 GARNET CIR, CLARKSTON, MI 48348-3060

August 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OAKLAND MI
Recording Date	Aug 12, 2020
Property Address	5708 GARNET CIR, CLARKSTON, MI 48348-3060
Document Number	0000158898
Book / Page	54639 / 429
Map Reference	LB 221 PG 35-37
Instrument Date	Jul 18, 2020
Instrument	158898
Transaction Type	Transfer
Record Updated	Jun 29, 2021
Title Company	AMROCK INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5708 GARNET CIR, CLARKSTON, MI 48348-3060

Mortgage

Document Number	0054639431
Date	Aug 12, 2020
Instrument	54639/431

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	5708 GARNET CIR, CLARKSTON, MI 48348-3060
Document Number	0000193642
Instrument Date	Oct 29, 2019
Transaction Type	Mortgage
Record Updated	Dec 31, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5708 GARNET CIR CLARKSTON MI 483483060, CLARKSTON, MI 48348-3060

Mortgage

Document Number	0000193642
Date	Nov 18, 2019
Book Page	053518/000513
Instrument	193642

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 17, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
County Subdivision	Independence Charter Township
Unified School District	Clarkston Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,582.00 (-31.5%) Homeowner's exemption	$184,300 (+19.99%) Land $35,100 Building $149,200	$368,600 (+19.99%) Land $70,200 Building $298,400
2024	$5,229.00 (+7.97%)
2023		$153,600 Land $27,400 Building $126,200	$307,200 Land $54,800 Building $252,400
2022	$4,843.00

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

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.

Wildfire

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 53 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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