9095 Cooley Lake Rd, White Lake, MI 48386 Property Records

Oakland County property record for 9095 Cooley Lake Rd, White Lake, MI 48386

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,092 sqft · built 1968
Lot Size	0.221 acres (9,627 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,100 (2025)
Deeds & Mortgages	Nov 2023 Second Mortgage Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`Y-12-35-479-007`

Property Details

APN / Parcel Number

Primary APN	`Y-12-35-479-007`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,092 sqft Living Area
1st Floor Area	1,092 sqft
Basement Area	1,092 sqft
Unfinished Basement	1,092 sqft
Game Room	Game Room

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	9,627 sqft (0.221 acres)
Lot Dimensions	148 ft deep x 65 ft wide

Exterior Amenities

Porch	Slab
Porch Area	31 sqft
Deck Area	192 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	9095 COOLEY LAKE RD
City	WHITE LAKE
State	MI
Zip	48386-4031
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1D
Legal Description	T3N, R8E, SEC 35 LONGCROFT LOT 8
Legal Range	08E
Legal Township	03N
Legal Section	35
Legal Subdivision	LONGCROFT
Legal Lot Number	8
Jurisdiction	OAKLAND MI
Township / Civil Division	WHITE LAKE
Census Block Group	4
Census Block	4026
Census Tract	130700

Owner

9095 Cooley Lake Rd is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	9095 COOLEY LAKE RD, WHITE LAKE, MI 48386-4031
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
Nov 2, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VIBE CU
Sep 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage VIBE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	9095 COOLEY LAKE RD, WHITE LAKE, MI 48386-4031
Transaction Type	Mortgage
Record Updated	Nov 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9095 COOLEY LAKE RD, WHITE LAKE, MI 48386-4031

Mortgage

Document Number	0000120258
Date	Nov 2, 2023
Book Page	58983/33
Instrument	120258

Lender

Name	VIBE CU
Type	Credit Union
Address	NOVI, MI 48377

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	119 Months
Due	Oct 1, 2033

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	9095 COOLEY LAKE RD, WHITE LAKE, MI 48386-4031
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9095 COOLEY LAKE RD, WHITE LAKE, MI 48386-4031

Mortgage

Document Number	0000195213
Date	Sep 24, 2020
Book Page	54882/492
Instrument	195213

Lender

Name	VIBE CU
Type	Credit Union
Address	NOVI, MI 48377

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 9095 Cooley Lake Rd was $1,100 with a homeowner's exemption, down 45.1% 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	White Lake Charter Township
Unified School District	Walled Lake Consolidated Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,100.00 (-45.14%) Homeowner's exemption	$97,880	$195,760
2024	$2,005.00
2023		$91,960	$183,920
2021	$1,750.00

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

Flood

FEMA maps place 9095 Cooley Lake Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective December 8, 2024

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 9095 Cooley Lake Rd 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 99.1% of the US · lower than 98.4% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 165 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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