Oakland County property record for 643 Phillips St, Pontiac, MI 48342
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,006 sqft · built 1956 |
| Lot Size | 0.145 acres (6,316 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,621 (2025) |
| Deeds & Mortgages | Oct 2026 Transfer May 2021 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 64-14-27-153-009 |
| Primary APN | 64-14-27-153-009 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,006 sqft Living Area |
| 1st Floor Area | 1,003 sqft |
| Basement Area | 1,003 sqft |
| Unfinished Basement | 1,003 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Architectural Style | Colonial |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 6,316 sqft (0.145 acres) |
| Lot Dimensions | 95 ft deep x 66 ft wide |
| Garage Area | 497 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 205 sqft |
| Patio Area | 447 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 643 PHILLIPS ST |
|---|---|
| City | PONTIAC |
| State | MI |
| Zip | 48342-2548 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RI |
| Legal Description | T3N, R10E, SEC 27 CHAMBERS BOWEN SUB LOT 20 |
| Legal Range | 10E |
| Legal Township | 03N |
| Legal Section | 27 |
| Legal Subdivision | CHAMBERS BOWEN SUB |
| Legal Lot Number | 20 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | PONTIAC |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 142300 |
643 Phillips St is owned and occupied by an individual who acquired it in April 2021.
Source: Oakland County records, as of May 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 643 PHILLIPS ST, PONTIAC, MI 48342-2548 |
| 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 |
|---|---|
| Oct 16, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| May 25, 2021 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Apr 23, 2021 |
| Transfer Doc | 0000136723 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Oct 16, 2026 |
| Property Address | 643 PHILLIPS ST, PONTIAC, MI 48342-2548 |
| Document Number | 0000152845 |
| Book / Page | 61642 / 230 |
| Instrument Date | Oct 9, 2026 |
| Instrument | 2026152845 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 643 PHILLIPS ST, PONTIAC, MI 48342-2548 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | May 25, 2021 |
| Property Address | 643 PHILLIPS ST, PONTIAC, MI 48342-2548 |
| Document Number | 0000136723 |
| Book / Page | 56290 / 519 |
| Map Reference | LB 84 PG 25 |
| Instrument Date | Apr 23, 2021 |
| Instrument | 136723 |
| Transaction Type | Transfer |
| Record Updated | Jun 17, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 643 PHILLIPS ST, PONTIAC, MI 48342-2548 |
The 2025 property tax bill for 643 Phillips St was $1,621 with a homeowner's exemption, down 6.5% from the year before.
Source: Oakland County assessment roll, as of February 4, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oakland County |
| Municipality | Pontiac City |
| Unified School District | Pontiac City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,621.00 (-6.52%) Homeowner's exemption | $97,290 | $194,580 |
| 2024 | $1,734.00 | ||
| 2023 | $80,610 | $161,220 | |
| 2021 | $1,476.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 643 Phillips St 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.
The area around 643 Phillips St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | PONTIAC serves 63,776 people · EPA ID MI0005440 |
|---|---|
| Water Source | Purchased surface water from GREAT LAKES WATER AUTHORITY |
| Lead | 2 ppb (2025) 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 446 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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