Oakland County property record for 644 Phillips St, Pontiac, MI 48342
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 992 sqft · built 1956 |
| Lot Size | 0.146 acres (6,360 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $11,416 (Apr 2015) |
| Tax Bill | $1,641 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Jun 2021 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 64-14-27-154-003 |
| Primary APN | 64-14-27-154-003 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 992 sqft Living Area |
| 1st Floor Area | 992 sqft |
| Basement Area | 992 sqft |
| Unfinished Basement | 992 sqft |
| Game Room | Game Room |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 6,360 sqft (0.146 acres) |
| Lot Dimensions | 95 ft deep x 67 ft wide |
| Garage Area | 452 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 43 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 644 PHILLIPS ST |
|---|---|
| City | PONTIAC |
| State | MI |
| Zip | 48342-2547 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RI |
| Legal Description | T3N, R10E, SEC 27 CHAMBERS BOWEN SUB LOT 14 |
| Legal Range | 10E |
| Legal Township | 03N |
| Legal Section | 27 |
| Legal Subdivision | CHAMBERS BOWEN SUB |
| Legal Lot Number | 14 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | PONTIAC |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 142300 |
Source: Oakland County records, as of May 27, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 644 PHILLIPS ST, PONTIAC, MI 48342-2547 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 29, 2025 | Deed of Trust, Mortgage · Line of Credit MICHIGAN STATE UNIVERSITY FCU |
| Jun 8, 2021 | Deed of Trust, Mortgage · Line of Credit MICHIGAN STATE UNIVERSITY FCU |
| Oct 13, 2020 | Grant Deed, Transfer ATTORNEY ONLY |
| Oct 28, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 7, 2015 · Amount on Record |
| Deed Sale | Apr 7, 2015 · Amount on Record |
| Deed Document Number | 201563350 |
| Deed Book / Page | 48038 / 163 |
| Prior Transfer Date | Apr 17, 2014 |
| Prior Transfer Doc | 0000075170 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 644 PHILLIPS ST, PONTIAC, MI 48342-2547 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 644 PHILLIPS ST, PONTIAC, MI 48342-2547 |
| Document Number | 20250164139 |
|---|---|
| Date | Dec 29, 2025 |
| Book Page | 60832/233 |
| Instrument | 20250164139 |
| Name | MICHIGAN STATE UNIVERSITY FCU |
|---|---|
| Type | Credit Union |
| Address | EAST LANSING, MI 48823 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Dec 19, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 644 PHILLIPS ST, PONTIAC, MI 48342-2547 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2023 |
| Name | Verified Name |
|---|---|
| Address | 644 PHILLIPS ST, PONTIAC, MI 48342-2547 |
| Document Number | 0000145180 |
|---|---|
| Date | Jun 8, 2021 |
| Book Page | 56347/37 |
| Instrument | 145180 |
| Name | MICHIGAN STATE UNIVERSITY FCU |
|---|---|
| Type | Credit Union |
| Address | EAST LANSING, MI 48823 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Oct 13, 2020 |
| Property Address | 644 PHILLIPS ST, PONTIAC, MI 48342-2547 |
| Document Number | 0000209779 |
| Book / Page | 054981 / 000151 |
| Instrument Date | Dec 12, 2019 |
| Instrument | 209779 |
| Transaction Type | Transfer |
| Record Updated | Nov 4, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 250 ORILEY CT PONTIAC MI 483423043, PONTIAC, MI 48342-3043 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Oct 28, 2019 |
| Property Address | 644 PHILLIPS ST, PONTIAC, MI 48342-2547 |
| Document Number | 0000178275 |
| Book / Page | 053425 / 000368 |
| Instrument Date | Oct 28, 2019 |
| Instrument | 178275 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 644 PHILLIPS ST PONTIAC MI 483422547, PONTIAC, MI 48342-2547 |
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 | $1,641.00 (-4.7%) | $46,290 (+21.11%) | $92,580 (+21.11%) |
| 2024 | $1,722.00 (+16.12%) | ||
| 2023 | $38,220 | $76,440 | |
| 2021 | $1,483.00 |
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 | 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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