10320 Troy St, Oak Park, MI 48237 Property Records

Oakland County property record for 10320 Troy St, Oak Park, MI 48237

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 827 sqft · built 1950
Lot Size	0.121 acres (5,271 sqft)
Owner	Individual Name on File
Last Sale	$165,500 (Feb 2026)
Tax Bill	$2,275 (2025)
Deeds & Mortgages	Oct 2021 Line of Credit Oct 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`52-25-32-201-028`

Property Details

APN / Parcel Number

Primary APN	`52-25-32-201-028`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	827 sqft Living Area
1st Floor Area	827 sqft
Basement Area	827 sqft
Unfinished Basement	827 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Wood Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Lot Area	5,271 sqft (0.121 acres)
Lot Dimensions	105 ft deep x 50 ft wide
Patio Area	200 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	10320 TROY ST
City	OAK PARK
State	MI
Zip	48237-2945
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	T1N, R11E, SEC 32 RIDGEWOOD ESTATES LOT 25
Legal Range	11E
Legal Township	01N
Legal Section	32
Legal Subdivision	RIDGEWOOD ESTATES
Legal Lot Number	25
Jurisdiction	OAKLAND MI
Township / Civil Division	OAK PARK
Census Block Group	3
Census Block	3003
Census Tract	171600

Owner

10320 Troy St is owned and occupied by an individual who bought it in February 2026.

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

Owner of Record	Individual Name on File
Mailing Address	27400 FRANKLIN RD, 406, SOUTHFIELD, MI 48034-2315
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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
Oct 4, 2021	Deed of Trust, Mortgage · Line of Credit UBANK
Oct 7, 2021	Deed of Trust, Mortgage UBANK
Feb 5, 2026	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Oct 29, 2018	Deed of Trust, Mortgage COMMUNITY FIN'L CU
Aug 8, 2017	Deed of Trust, Mortgage JOHN & NANCY MORGAN
Jun 27, 2017	Warranty Deed, Transfer JOHN & NANCY MORGAN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 5, 2026 · Amount on File
Deed Sale	Feb 5, 2026 · Amount on File
Prior Sale	Jun 27, 2017 · Amount on File
Deed Document Number	202616137
Deed Book / Page	60930 / 272
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	10320 TROY ST, OAK PARK, MI 48237-2945
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	EVONS TITLE, DEVON TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000235970
Date	Oct 4, 2021
Book Page	56946/635
Instrument	235970

Lender

Name	UBANK
Type	Bank
Address	DIMONDALE, MI 48821

Agreement

Type	Line of Credit
Amount	Amount on Record

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	10320 TROY ST, OAK PARK, MI 48237-2945
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23332 FARMINGTON ROAD, MECOSTA, MI 49332
Investor	Possibly a Property Investor

Mortgage

Document Number	0000239928
Date	Oct 7, 2021
Book Page	56968/771
Instrument	239928

Lender

Name	UBANK
Type	Bank
Address	DIMONDALE, MI 48821

Agreement

Amount	Amount on Record
Term	59 Months
Due	Sep 27, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Feb 5, 2026
Property Address	10320 TROY ST, OAK PARK, MI 48237-2945
Document Number	20260016137
Book / Page	60930 / 272
Map Reference	LB 61 PG 18
Instrument Date	Jan 26, 2026
Instrument	20260016137
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	APOLLO TITLE AGENCY

Transaction

Amount	Amount on Record
Tax	$1,241.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	32455 W 12 MILE RD UNIT 3148, 3148, FARMINGTON HILLS, MI 48333-7148

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27400 FRANKLIN RD APT 406, 406, SOUTHFIELD, MI 48034-2315

Mortgage

Document Number	0060905487
Date	Feb 5, 2026
Instrument	60905/487

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	300 Months
Due	Feb 1, 2051

Mortgage

Document Number	20260012232
Date	Jan 28, 2026
Book Page	60905/487
Instrument	20260012232

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	301 Months
Due	Feb 1, 2051

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	10320 TROY ST, OAK PARK, MI 48237-2945
Document Number	0000177334
Instrument Date	Oct 29, 2018
Transaction Type	Mortgage
Record Updated	Nov 21, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	23332 FARMINGTON RD #584 FARMINGTON MI 483323326, 584, FARMINGTON, MI 48332-3326

Mortgage

Document Number	0000177334
Date	Oct 30, 2018
Book Page	052314/000561
Instrument	177334

Lender

Name	COMMUNITY FIN'L CU
Type	Credit Union
Address	PLYMOUTH, MI 48170

Agreement

Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	10320 TROY ST, OAK PARK, MI 48237-2945
Document Number	0000208344
Book / Page	051276 / 000868
Instrument Date	Aug 8, 2017
Transaction Type	Mortgage
Record Updated	Dec 12, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	23332 FARMINGTON RD #584 FARMINGTON MI 483323326, 584, FARMINGTON, MI 48332-3326

Mortgage

Document Number	0000208344
Date	Nov 13, 2017
Book Page	051276/000868
Instrument	208344

Lender

Name	JOHN & NANCY MORGAN
Address	18317 GILL RD, LIVONIA, MI 48152-3091

Agreement

Amount	Amount on Record

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jun 27, 2017
Property Address	10320 TROY ST, OAK PARK, MI 48237-2945
Document Number	0000123562
Book / Page	050810 / 000771
Instrument Date	Jun 12, 2017
Instrument	123562
Transaction Type	Transfer
Record Updated	Jan 10, 2019
Title Company	OKLAHOMA ABSTRACT COMPANY, OKLAHOMA ABS CO

Transaction

Amount	Amount on Record
Tax	$107.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	23332 FARMINGTON RD #4584 FARMINGTON MI 483323357, 4584, FARMINGTON, MI 48332-3357

Mortgage

Document Number	117606
Date	Jun 27, 2017
Book Page	050778/000620
Instrument	117606

Lender

Name	JOHN & NANCY MORGAN
Address	18317 GILL RD, LIVONIA, MI 48152-3091

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 10320 Troy St was $2,275 with a homeowner's exemption, up 31.4% from the year before.

Source: Oakland County assessment roll, as of February 4, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
Municipality	Oak Park City
Unified School District	Oak Park City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,275.00 (+31.43%) Homeowner's exemption	$56,400 Land $15,600 Building $40,800	$112,800 Land $31,200 Building $81,600
2024	$1,731.00
2023		$42,000 Land $6,900 Building $35,100	$84,000 Land $13,800 Building $70,200
2022	$2,402.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 10320 Troy St 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

The area around 10320 Troy St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	OAK PARK serves 29,654 people · EPA ID MI0004880
Water Source	Purchased surface water from GREAT LAKES WATER AUTHORITY
Last State Inspection	Feb 2026
Lead	Under 1 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 780 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: WOW Internet, Cable & Phone.

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