Oakland County property record for 1012 Congress Dr, Troy, MI 48085
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,488 sqft · built 1990 |
| Lot Size | 0.38 acres (16,553 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,094 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Sep 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 88-20-02-301-035 |
| Primary APN | 88-20-02-301-035 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,488 sqft Living Area |
| 1st Floor Area | 1,355 sqft |
| Basement Area | 1,355 sqft |
| Unfinished Basement | 1,355 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Colonial |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Gable |
| Lot Area | 16,553 sqft (0.38 acres) |
| Lot Dimensions | 143 ft deep x 115 ft wide |
| Garage Area | 434 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 573 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 1012 CONGRESS DR |
|---|---|
| City | TROY |
| State | MI |
| Zip | 48085-1383 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1D |
| Legal Description | T2N, R11E, SEC 2 CHERRYHURST SUB LOT 35 9-27-89 FR 003 |
| Legal Range | 11E |
| Legal Township | 2N |
| Legal Section | 2 |
| Legal Subdivision | CHERRYHURST SUB |
| Legal Lot Number | 9,35 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | TROY |
| Census Block Group | 4 |
| Census Block | 4011 |
| Census Tract | 196100 |
1012 Congress Dr is owned and occupied by two individuals who acquired it in March 2016.
Source: Oakland County records, as of May 27, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1012 CONGRESS DR, TROY, MI 48085-1383 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Sep 3, 2019 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Mar 14, 2016 |
| Transfer Doc | 0000049888 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 1012 CONGRESS DR, TROY, MI 48085-1383 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1012 CONGRESS DR, TROY, MI 48085-1383 |
| Document Number | 0000279365 |
|---|---|
| Date | Dec 21, 2021 |
| Book Page | 57209/32 |
| Instrument | 279365 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Dec 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 1012 CONGRESS DR, TROY, MI 48085-1383 |
| Document Number | 0000150988 |
| Instrument Date | Sep 3, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 11, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1012 CONGRESS DR TROY MI 480851383, TROY, MI 48085-1383 |
| Document Number | 0000150988 |
|---|---|
| Date | Sep 16, 2019 |
| Book Page | 053255/000189 |
| Instrument | 150988 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 15, 2049 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 1012 Congress Dr was $5,094 with a homeowner's exemption.
Source: Oakland County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oakland County |
| Municipality | Troy City |
| Unified School District | Troy School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,094.00 | ||
| 2023 | $391,840 | ||
| 2022 | $5,299.00 | $195,920 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1012 Congress Dr 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 · 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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (1998) |
| Most Recent Claim | Feb 1998 · ground movement |
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 risk around 1012 Congress 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 96% of the US · lower than 91% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TROY serves 85,854 people · EPA ID MI0006690 |
|---|---|
| Water Source | Purchased surface water from GREAT LAKES WATER AUTHORITY |
| Last State Inspection | Dec 2023 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 117 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
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