For Sale
8691 Cooley Lake Road, Commerce Twp, MI 48382
$434,900
MLS # 20261042205 (Realcomp)
3 beds2 baths1,017 sqftBuilt 19390.14 acres
1 / 29
Listing Description
Rare opportunity to own a piece of Long Lake history! Situated on the shores of all-sports Long Lake, this cherished waterfront property is being offered for sale for the very first time. Originally built in 1939 and lovingly maintained by the same family for generations, the home is rich with character and timeless appeal. Enjoy breathtaking lake views, direct sandy frontage on one of the area's most sought-after recreational lakes, and endless possibilities to renovate, expand, or build your dream lakefront retreat. Whether you're seeking a year-round residence or a seasonal getaway, this is a once-in-a-generation opportunity to create lasting memories on Long Lake. Don't miss your chance to become the next steward of this remarkable waterfront property.
Source: SparkMLS
About this home
Located in Commerce Township in Commerce Twp, this property offers 3-bedroom, 2-bath, 1,017 sq ft, with original construction dating to 1939.
Listed at $434,900 (about $428/sq ft).
Property tax estimate: $5,380 per year ($448/month). Estimate is based on county assessor records and current millage rates; actual tax may vary with PRE status and recent assessment changes.
Electric service is provided by DTE Electric Company; natural gas by Consumers Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms2
Living Area1,017 sqft
Lot Size0.14 acres
Year Built1939
Stories2
Location
CityCommerce Twp
MunicipalityCommerce Twp
Zip Code48382
CountyOakland
School DistrictWalled Lake
Construction & Systems
ConstructionAluminum Siding, Brick
BasementCrawl Space
HeatingForced Air
WaterWell
SewerSeptic Tank
Sale & Financing
Listed6/8/2026
Original Price$449,900
Terms AcceptedCash, Conventional, FHA, VA Loan
Source: SparkMLS
Tax Information
Annual Tax$4,257
State Equalized Value$195,500
Taxable Value$122,500
Parcel #1701126010
Source: Public Records
Legal Description
T2N, R8E, SEC 1 PART OF NE FRC 1/4 OF NW FRC 1/4 BEG AT NW COR OF LOT 10 OF 'SWITZERLAND SUB', TH N 63-24-00 W 40 FT, TH S 42-05-00 W 118 FT, TH SELY 50 FT ALG SHORE, TH N 36-20-00 E 128 FT TO BEG 0.13 A
Property Records
FEMA Flood Zone: Zone AE — 100-year floodplain
Flood insurance required for federally backed mortgages
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Christine M Atkinson
EXP Realty Main
Frequently Asked Questions about 8691 Cooley Lake Road, Commerce Twp, MI 48382
What school district is 8691 Cooley Lake Road, Commerce Twp, MI 48382 in?
Per MLS# 20261042205, this property is served by Walled Lake. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What financing options are available for 8691 Cooley Lake Road, Commerce Twp, MI 48382?
Per MLS# 20261042205, the seller has indicated this property accepts the following financing types: Cash, Conventional, FHA, VA Loan. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 20261042205, the most recent reported annual property tax for 8691 Cooley Lake Road, Commerce Twp, MI 48382 is $4,257. Michigan property taxes are based on a property's taxable value multiplied by the local millage rate. Primary residences qualify for a homestead exemption that lowers the rate.
Is 8691 Cooley Lake Road, Commerce Twp, MI 48382 eligible for USDA financing?
Per USDA Rural Development boundary data, 8691 Cooley Lake Road, Commerce Twp, MI 48382 is not in an eligible area. USDA eligibility is based on property location — properties within designated urban zones are excluded. Other low-down-payment options (FHA, VA) may still be available.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 8691 Cooley Lake Road, Commerce Twp, MI 48382 is in flood zone AE (high risk). Flood insurance is required for federally-backed mortgages in this zone. FEMA flood maps are updated periodically — verify the current designation at msc.fema.gov.
Who are the utility providers for this property?
Per Michigan Public Service Commission service territory data: Electric: DTE Electric Company. Gas: Consumers Energy Company. Sewer: Septic Tank. Water: Well. Confirm service details directly with providers.
How safe is this area?
Per our practice, crime and safety data should be obtained directly from the authoritative source. Oakland County law enforcement agencies participate in CLEMIS (Courts and Law Enforcement Management Information System) for public safety records.
Map
Tax Estimate
$
Annual tax$5,380
Monthly$448
Millage rate27.5203 mills
Municipality: CHARTER TOWNSHIP OF COMMERCE
School district: HURON VALLEY SCHOOLS
County: Oakland
Estimate based on SEV for a new buyer (taxable value resets to SEV on transfer). Actual taxes may vary. MI Treasury PT Estimator
Mortgage Calculator
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Monthly payment$3,269
Principal & interest$2,821
Property taxes$448
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
DTE Electric Company
Investor-Owned
Consumers Energy Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
8691 Cooley Lake Road, Commerce Twp, MI 48382
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Municipality
Commerce Township
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County
Oakland County
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