8645 Harbortowne Dr, Clarkston, MI 48348 Property Records

Oakland County property record for 8645 Harbortowne Dr, Clarkston, MI 48348

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,934 sqft · built 1992
Lot Size	0.52 acres (22,651 sqft)
Owner	2 Individual Names on File
Last Sale	$600,000 (Feb 2004)
Tax Bill	$6,145 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Apr 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`U-07-11-454-008`

Property Details

APN / Parcel Number

Primary APN	`U-07-11-454-008`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,934 sqft Living Area
1st Floor Area	1,871 sqft
Basement Area	2,831 sqft
Finished Basement	960 sqft
Unfinished Basement	1,871 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,651 sqft (0.52 acres)
Lot Dimensions	152 ft deep x 36 ft wide
View / Lot	Waterfront
Garage Area	838 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	90 sqft
Patio Area	786 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	8645 HARBORTOWNE DR
City	CLARKSTON
State	MI
Zip	48348-2435
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	T4N, R8E, SEC 11 HARBORTOWNE VILLAGE LOT 31
Legal Range	08E
Legal Township	04N
Legal Section	11
Legal Subdivision	HARBORTOWNE VILLAGE SUBDIVISION
Legal Lot Number	31
Jurisdiction	OAKLAND MI
Township / Civil Division	SPRINGFIELD
Census Block Group	2
Census Block	2003
Census Tract	126200

Owner

8645 Harbortowne Dr is owned and occupied by two individuals who bought it in February 2004.

Source: Oakland County records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	8645 HARBORTOWNE DR, CLARKSTON, MI 48348-2435
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage HALL FINANCIAL GROUP
Apr 6, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 13, 2004 · Amount on File
Deed Sale	Feb 13, 2004 · Amount on File
Deed Document Number	200482498
Deed Book / Page	32218 / 764
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	8645 HARBORTOWNE DR, CLARKSTON, MI 48348-2435
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016105
Date	Jan 21, 2020
Book Page	53744/00871
Instrument	16105

Lender

Name	HALL FINANCIAL GROUP
Type	Non-Lending Institution
Address	TROY, MI 48084

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	8645 HARBORTOWNE DR, CLARKSTON, MI 48348-2435
Document Number	0000075158
Book / Page	050566 / 000649
Instrument Date	Apr 6, 2017
Transaction Type	Mortgage
Record Updated	Jun 9, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8645 HARBORTOWNE DR CLARKSTON MI 483482435, CLARKSTON, MI 48348-2435

Mortgage

Document Number	0000075158
Date	Apr 12, 2017
Book Page	050566/000649
Instrument	75158

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 11, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 8645 Harbortowne Dr was $6,145 with a homeowner's exemption, down 32.7% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,145.00 (-32.74%) Homeowner's exemption	$408,550	$817,100
2024	$9,136.00
2023		$360,840	$721,680
2022	$8,248.00

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

Flood

FEMA maps place 8645 Harbortowne Dr 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.

Wildfire

Wildfire risk around 8645 Harbortowne Dr 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	None beyond ember reach

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 134 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T DSL	100 / 20

May also be available: T-Mobile, Verizon.

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