Oakland County property record for 8648 Hancock Dr, White Lake, MI 48386
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,120 sqft · built 1990 |
| Lot Size | 0.445 acres (19,384 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $290,000 (Mar 2019) |
| Tax Bill | $3,626 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit Feb 2022 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | Y-12-25-377-013 |
| Primary APN | Y-12-25-377-013 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,120 sqft Living Area |
| 1st Floor Area | 2,120 sqft |
| Basement Area | 2,103 sqft |
| Unfinished Basement | 2,103 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Brick |
| Lot Area | 19,384 sqft (0.445 acres) |
| Lot Dimensions | 107 ft deep x 120 ft wide |
| Terrain | Rolling |
| Garage Area | 577 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 36 sqft |
| Deck Area | 258 sqft |
| Patio Area | 258 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Septic |
| Street Address | 8648 HANCOCK DR |
|---|---|
| City | WHITE LAKE |
| State | MI |
| Zip | 48386-4363 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1C |
| Legal Description | T3N, R8E, SEC 25 HERITAGE HILLS ESTATES LOT 98 6-6-89 FR 376-001 |
| Legal Range | 08E |
| Legal Township | 03N |
| Legal Section | 25 |
| Legal Subdivision | HERITAGE HILLS ESTATES |
| Legal Lot Number | 6,98 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | WHITE LAKE |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 130700 |
8648 Hancock Dr is owned and occupied by two individuals who bought it in March 2019.
Source: Oakland County records, as of September 3, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 8648 HANCOCK DR, WHITE LAKE, MI 48386-4363 |
| 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 |
|---|---|
| Aug 26, 2026 | Deed of Trust, Mortgage · Line of Credit UNION CREDIT UNION |
| Feb 4, 2022 | Deed of Trust, Mortgage · Line of Credit COMMUNITY FINANCIAL CU |
| Aug 20, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMUNITY FINANCIAL CU |
| Oct 23, 2020 | Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB |
| Apr 8, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Mar 18, 2019 | Warranty Deed, Transfer · FHA Mortgage FLAGSTAR BANK FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 18, 2019 · Amount on File |
| Deed Sale | Mar 18, 2019 · Amount on File |
| Prior Sale | Feb 7, 2006 · Amount on File |
| Deed Document Number | 201935712 |
| Deed Book / Page | 52653 / 268 |
| Prior Transfer Date | Mar 12, 2019 |
| Prior Transfer Doc | 0000053174 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Aug 26, 2026 |
| Property Address | 8648 HANCOCK DR, WHITE LAKE, MI 48386-4363 |
| Document Number | 0000127708 |
| Book / Page | 61496 / 73 |
| Instrument Date | Aug 15, 2026 |
| Instrument | 2026127708 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 8648 HANCOCK DR, WHITE LAKE, MI 48386-4363 |
| Document Number | 0000127708, |
|---|---|
| Date | Aug 26, 2026 |
| Book Page | 61496/73 |
| Instrument | 2026127708 |
| Name | UNION CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 8648 HANCOCK DR, WHITE LAKE, MI 48386-4363 |
| Transaction Type | Mortgage |
| Record Updated | Apr 6, 2022 |
| Name | Verified Name |
|---|---|
| Address | 8648 HANCOCK DR, WHITE LAKE, MI 48386-4363 |
| Document Number | 0000312276 |
|---|---|
| Date | Feb 4, 2022 |
| Book Page | 57402/603 |
| Instrument | 312276 |
| Name | COMMUNITY FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | PLYMOUTH, MI 48170 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 238 Months |
| Due | Dec 20, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 8648 HANCOCK DR, WHITE LAKE, MI 48386-4363 |
| Transaction Type | Mortgage |
| Record Updated | Sep 2, 2021 |
| Name | Verified Name |
|---|---|
| Address | 8648 HANCOCK DR, WHITE LAKE, MI 48386-4363 |
| Document Number | 0000203290 |
|---|---|
| Date | Aug 20, 2021 |
| Book Page | 56726/463 |
| Instrument | 203290 |
| Name | COMMUNITY FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | PLYMOUTH, MI 48170 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 8648 HANCOCK DR, WHITE LAKE, MI 48386-4363 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 8648 HANCOCK DR, WHITE LAKE, MI 48386-4363 |
| Document Number | 0000220617 |
|---|---|
| Date | Oct 23, 2020 |
| Book Page | 55046/639 |
| Instrument | 220617 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Apr 8, 2019 |
| Property Address | 8648 HANCOCK DR, WHITE LAKE, MI 48386-4363 |
| Document Number | 0000053174 |
| Book / Page | 052710 / 000804 |
| Instrument Date | Mar 12, 2019 |
| Instrument | 53174 |
| Transaction Type | Transfer |
| Record Updated | May 1, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 8648 HANCOCK DR WHITE LAKE MI 483864363, WHITE LAKE, MI 48386-4363 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Mar 18, 2019 |
| Property Address | 8648 HANCOCK DR, WHITE LAKE, MI 48386-4363 |
| Document Number | 0000035712 |
| Book / Page | 52653 / 00268 |
| Map Reference | LB 207 PG 23-26 |
| Instrument Date | Mar 12, 2019 |
| Instrument | 035712 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2021 |
| Title Company | TITLE ONE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,494.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8648 HANCOCK DR, 8648, WHITE LAKE, MI 48386-4363 |
| Name | Verified Name |
|---|---|
| Address | 8648 HANCOCK DR, WHITE LAKE, MI 48386-4363 |
| Document Number | 0000035713 |
|---|---|
| Date | Mar 18, 2019 |
| Instrument | 035713 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2049 |
The 2025 property tax bill for 8648 Hancock Dr was $3,626 with a homeowner's exemption, down 38.5% from the year before.
Source: Oakland County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oakland County |
| County Subdivision | White Lake Charter Township |
| Unified School District | Walled Lake Consolidated Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,626.00 (-38.52%) Homeowner's exemption | $205,650 | $411,300 |
| 2024 | $5,898.00 | ||
| 2023 | $182,050 | $364,100 | |
| 2021 | $5,151.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 8648 Hancock 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 risk around 8648 Hancock Dr is low, with less than 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 97% of the US · lower than 93% of Michigan |
|---|---|
| Wildfire Likelihood | Under 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WHITE LAKE TOWNSHIP serves 6,619 people · EPA ID MI0007065 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2026 |
| Lead | 3 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 249 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures