7872 Ranch Estates Rd, Clarkston, MI 48348 Property Records

Oakland County property record for 7872 Ranch Estates Rd, Clarkston, MI 48348

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,885 sqft · built 1992
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on File
Last Sale	$655,000 (Jan 2021)
Tax Bill	$7,959 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit Oct 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`J-08-13-401-004`

Property Details

APN / Parcel Number

Primary APN	`J-08-13-401-004`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	3,885 sqft Living Area
1st Floor Area	2,965 sqft
Basement Area	2,893 sqft
Finished Basement	2,893 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Wood Siding
Lot Area	130,680 sqft (3 acres)
Garage Area	983 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	212 sqft
Deck Area	177 sqft
Patio Area	177 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	7872 RANCH ESTATES RD
City	CLARKSTON
State	MI
Zip	48348-4023
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	T4N, R9E, SEC 13 CLARKSTON RANCH ESTATES NO 2 LOT 51 02/16/84 FR400005
Legal Range	9E
Legal Township	4N
Legal Section	13
Legal Subdivision	CLARKSTON RANCH ESTATES
Legal Lot Number	2,51
Jurisdiction	OAKLAND MI
Township / Civil Division	INDEPENDENCE
Census Block Group	1
Census Block	1024
Census Tract	127600

Owner

Source: Oakland County records · APN J-08-13-401-004

Assessment roll updated January 21, 2026 · Last verified June 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 File
Mailing Address	7872 RANCH ESTATES RD, CLARKSTON, MI 48348-4023
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2021	Deed of Trust, Mortgage · Line of Credit OXFORD BANK
Oct 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage STOCKTON MORTGAGE CORP
May 25, 2022	Deed of Trust, Mortgage · Line of Credit QUORUM FEDERAL CU
Oct 02, 2025	Deed of Trust, Mortgage · Line of Credit HURON VALLEY STATE BANK
Jan 21, 2021	Warranty Deed, Transfer PARKS TITLE
Feb 06, 2020	Deed of Trust, Mortgage LAKE MI CU
Jul 01, 2019	Warranty Deed, Transfer LAKE MI CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 21, 2021 · Amount on Record
Deed Sale	Jan 21, 2021 · Amount on Record
Prior Sale	Jul 01, 2019 · Amount on Record
Deed Document Number	202116815
Deed Book / Page	55543 / 108
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	7872 RANCH ESTATES RD, CLARKSTON, MI 48348-4023
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7872 RANCH ESTATES RD, CLARKSTON, MI 48348-4023

Mortgage

Document Number	0000097772
Date	Apr 13, 2021
Book Page	56054/526
Instrument	97772

Lender

Name	OXFORD BANK
Type	Bank
Address	OXFORD, MI 48371

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Mar 24, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	7872 RANCH ESTATES RD, CLARKSTON, MI 48348-4023
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7872 RANCH ESTATES RD, CLARKSTON, MI 48348-4023

Mortgage

Document Number	0000249316
Date	Oct 27, 2021
Book Page	57029/647
Instrument	249316

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company
Address	FRANKFORT, KY 40601

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2051

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	7872 RANCH ESTATES RD, CLARKSTON, MI 48348-4023
Transaction Type	Mortgage
Record Updated	Dec 23, 2025
Title Company	INTERSTATE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7872 RANCH ESTATES RD, CLARKSTON, MI 48348-4023

Mortgage

Document Number	0000386683
Date	May 25, 2022
Book Page	57794/728
Instrument	386683

Lender

Name	QUORUM FEDERAL CU
Type	Credit Union
Address	PURCHASE, NY 10577

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	7872 RANCH ESTATES RD, CLARKSTON, MI 48348-4023
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000124354
Date	Oct 02, 2025
Book Page	60580/1
Instrument	124354

Lender

Name	HURON VALLEY STATE BANK
Type	Bank
Address	MILFORD, MI 48381

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jan 21, 2021
Property Address	7872 RANCH ESTATES RD, CLARKSTON, MI 48348-4023
Document Number	0000016815
Book / Page	055543 / 000108
Instrument Date	Dec 07, 2020
Instrument	16815
Transaction Type	Transfer
Record Updated	Mar 18, 2021
Title Company	PARKS TITLE

Transaction

Amount	Amount Recorded
Tax	$5,633.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4356 SASHABAW RD WATERFORD MI 483291956, WATERFORD, MI 48329-1956

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	7872 RANCH ESTATES RD, CLARKSTON, MI 48348-4023
Document Number	0000049063
Instrument Date	Feb 06, 2020
Transaction Type	Mortgage
Record Updated	Apr 14, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7872 RANCH ESTATES RD CLARKSTON MI 483484023, CLARKSTON, MI 48348-4023

Mortgage

Document Number	0000049063
Date	Mar 11, 2020
Book Page	053940/000122
Instrument	49063

Lender

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

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Mar 10, 2035

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jul 01, 2019
Property Address	7872 RANCH ESTATES RD, CLARKSTON, MI 48348-4023
Document Number	0000104312
Book / Page	052980 / 000150
Instrument Date	May 10, 2019
Instrument	104312
Transaction Type	Transfer
Record Updated	Jul 24, 2019
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$5,289.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1655 EAGLE TRL OXFORD MI 483716064, OXFORD, MI 48371-6064

Mortgage

Document Number	104313
Date	Jul 01, 2019
Book Page	052980/000153
Instrument	104313

Lender

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

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 30, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.74%

Tax Assessment & Valuation

Source: Oakland County records · Assessment roll updated January 21, 2026 · Last verified June 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,959.00 (-31.74%) Homeowner's exemption	$425,700 (+17.53%) Land $64,300 Building $361,400	$851,400 (+17.53%) Land $128,600 Building $722,800
2024	$11,659.00 (+11.75%)
2023		$362,200 Land $50,400 Building $311,800	$724,400 Land $100,800 Building $623,600
2022	$10,433.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Oakland County (26125C), as of December 8, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T DSL	100 / 20

May also be available: Verizon.

Based on FCC filings for 127 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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