640 Sunset, White Lake, MI 48383 Property Records

Oakland County property record for 640 Sunset, White Lake, MI 48383

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,616 sqft · built 1962
Lot Size	0.622 acres (27,094 sqft)
Owner	Trust Name on File
Last Sale	$600,000 (Jun 2026)
Tax Bill	$4,041 (2025)
Deeds & Mortgages	Jun 2026 Transfer Jun 2026 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`Y-12-21-327-005`

Property Details

APN / Parcel Number

Primary APN	`Y-12-21-327-005`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,616 sqft Living Area
1st Floor Area	1,400 sqft
Basement Area	875 sqft
Unfinished Basement	1,091 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Roof Type	Gable
Lot Area	27,094 sqft (0.622 acres)
Lot Dimensions	275 ft deep x 50 ft wide
Garage Area	498 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	136 sqft
Deck Area	420 sqft
Patio Area	420 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	640 SUNSET
City	WHITE LAKE
State	MI
Zip	48383-2865
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF
Legal Description	T3N, R8E, SEC 21 BRENDEL HEIGHTS S 50 FT OF N 65 FT OF LOT 236
Legal Range	08E
Legal Township	03N
Legal Section	21
Legal Subdivision	HEIGHTS
Legal Lot Number	236
Jurisdiction	OAKLAND MI
Township / Civil Division	WHITE LAKE
Census Block Group	1
Census Block	1008
Census Tract	130500

Owner

640 Sunset is owner-occupied and held in a trust since June 2026.

Source: Oakland County records, as of June 18, 2026

Owner of Record	Trust Name on File
Mailing Address	640 SUNSET, WHITE LAKE, MI 48383-2865
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2026	Quit Claim Deed, Transfer LIBERTY TITLE
Jun 8, 2026	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMIERCA NA
Jun 8, 2026	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA
Apr 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage LAKE MI CU
Aug 18, 2017	Warranty Deed, Transfer · Conventional Mortgage LAKE MI CU
Jan 19, 2017	Warranty Deed, Transfer · Conventional Mortgage GTL INVS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 8, 2026 · Amount on File
Deed Sale	Jun 8, 2026 · Amount on File
Prior Sale	Aug 18, 2017 · Amount on File
Deed Document Number	202681467
Deed Book / Page	61272 / 609
Record Updated	Oct 29, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	Jun 11, 2026
Property Address	640 SUNSET, WHITE LAKE, MI 48383-2865
Document Number	0000083064
Book / Page	61282 / 252
Instrument Date	Jun 8, 2026
Instrument	202683064
Transaction Type	Transfer
Record Updated	Aug 30, 2026
Title Company	LIBERTY TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	640 SUNSET, WHITE LAKE, MI 48383-2865

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jun 8, 2026
Property Address	640 SUNSET, WHITE LAKE, MI 48383-2865
Document Number	0000081467
Book / Page	61272 / 609
Instrument Date	Jun 5, 2026
Instrument	202681467
Transaction Type	Transfer
Record Updated	Jun 16, 2026
Title Company	LIBERTY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$454,500.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12921 ANN LYNN DR, SOUTH LYON, MI 48178-8813

Mortgage

Document Number	0000081468,
Date	Jun 8, 2026
Instrument	202681468

Lender

Name	BANK OF AMIERCA NA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.58%
Initial Type	Fixed Rate
Max Rate	-1%

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jun 8, 2026
Property Address	640 SUNSET, WHITE LAKE, MI 48383-2865
Document Number	20260081467
Book / Page	61272 / 609
Instrument Date	Jun 5, 2026
Instrument	202681467
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	LIBERTY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$454,500.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12921 ANN LYNN DR, SOUTH LYON, MI 48178-8813

Mortgage

Document Number	0000081468,
Date	Jun 8, 2026
Instrument	202681468

Lender

Name	BANK OF AMERICA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2041

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	640 SUNSET, WHITE LAKE, MI 48383-2865
Document Number	0000080690
Instrument Date	Apr 8, 2020
Transaction Type	Mortgage
Record Updated	May 20, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 SUNSET WHITE LAKE MI 483832865, WHITE LAKE, MI 48383-2865

Mortgage

Document Number	0000080690
Date	Apr 21, 2020
Book Page	054111/000836
Instrument	80690

Lender

Name	LAKE MI CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 20, 2040

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Aug 18, 2017
Property Address	640 SUNSET, WHITE LAKE, MI 48383-2865
Document Number	0000156877
Book / Page	050988 / 000635
Instrument Date	Aug 3, 2017
Instrument	156877
Transaction Type	Transfer
Record Updated	Jan 13, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,795.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6672 DEVONSHIRE DR CANTON MI 481872613, CANTON, MI 48187-2613

Mortgage

Document Number	153072
Date	Aug 18, 2017
Book Page	050968/000186
Instrument	153072

Lender

Name	LAKE MI CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 17, 2047

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jan 19, 2017
Property Address	640 SUNSET, WHITE LAKE, MI 48383-2865
Document Number	0000011330
Book / Page	050299 / 000578
Instrument Date	Jan 10, 2017
Instrument	11330
Transaction Type	Transfer
Record Updated	Mar 9, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,709.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 SUNSET WHITE LAKE MI 483832865, WHITE LAKE, MI 48383-2865

Mortgage

Document Number	11346
Date	Jan 19, 2017
Book Page	050299/000687
Instrument	11346

Lender

Name	GTL INVS
Address	SOUTHFIELD, MI 48075

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 18, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 640 Sunset was $4,041 with a homeowner's exemption, down 38.7% from the year before.

Source: Oakland County assessment roll, as of February 4, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
County Subdivision	White Lake Charter Township
Unified School District	Huron Valley Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,041.00 (-38.7%) Homeowner's exemption	$205,100	$410,200
2024	$6,592.00
2023		$184,690	$369,380
2021	$5,491.00

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

FEMA maps place 640 Sunset in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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

Wildfire risk around 640 Sunset is low, with 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 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 93 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on Sunset

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