9598 Rustic Cir, White Lake, MI 48386 Property Records

Oakland County property record for 9598 Rustic Cir, White Lake, MI 48386

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,264 sqft · built 2007
Lot Size	0.581 acres (25,308 sqft)
Owner	2 Individual Names on File
Last Sale	$148,000 (Mar 2016)
Tax Bill	$2,356 (2025)
Deeds & Mortgages	Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`Y-12-26-333-007`

Property Details

APN / Parcel Number

Primary APN	`Y-12-26-333-007`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,264 sqft Living Area
1st Floor Area	1,264 sqft
Basement Area	1,196 sqft
Unfinished Basement	1,196 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	25,308 sqft (0.581 acres)
Lot Dimensions	144 ft deep x 125 ft wide
Terrain	Low
Garage Area	443 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	32 sqft
Deck Area	324 sqft
Patio Area	324 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	9598 RUSTIC CIR
City	WHITE LAKE
State	MI
Zip	48386-3056
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1D
Legal Description	T3N, R8E, SEC 26 CEDAR CREST SUB NO 4 LOTS 556 TO 560 INCL
Legal Range	08E
Legal Township	03N
Legal Section	26
Legal Subdivision	CEDAR CREST NO 4
Legal Lot Number	556-560
Jurisdiction	OAKLAND MI
Township / Civil Division	WHITE LAKE
Census Block Group	3
Census Block	3000
Census Tract	130600

Owner

9598 Rustic Cir is owned and occupied by two individuals who bought it in March 2016.

Source: Oakland County records, as of July 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	9598 RUSTIC CIR, WHITE LAKE, MI 48386-3056
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2016 · Amount on File
Deed Sale	Mar 10, 2016 · Amount on File
Prior Sale	Aug 11, 2014 · Amount on File
Deed Document Number	201641830
Deed Book / Page	49134 / 337
Prior Transfer Date	Mar 1, 2016
Prior Transfer Doc	0000041832
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	9598 RUSTIC CIR, WHITE LAKE, MI 48386-3056
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9598 RUSTIC CIR, WHITE LAKE, MI 48386-3056

Mortgage

Document Number	0000003435
Date	Jan 5, 2021
Book Page	55448/316
Instrument	3435

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	303 Months
Due	Apr 1, 2046

Tax Assessment & Valuation

The 2025 property tax bill for 9598 Rustic Cir was $2,356 with a homeowner's exemption, down 40.2% 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	$2,356.00 (-40.16%) Homeowner's exemption	$173,160	$346,320
2024	$3,937.00
2023		$152,710	$305,420
2021	$3,447.00

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

Flood

FEMA maps place 9598 Rustic Cir in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective December 8, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2004)
Most Recent Claim	May 2004 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 9598 Rustic Cir 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	Direct burnable vegetation

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 302 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	100 / 20

May also be available: Verizon.

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