Oakland County property record for 108 Florence Dr, Troy, MI 48098
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,232 sqft · built 1972 |
| Lot Size | 0.41 acres (17,860 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,236 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Jun 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 88-20-09-231-015 |
| Primary APN | 88-20-09-231-015 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,232 sqft Living Area |
| 1st Floor Area | 1,232 sqft |
| Basement Area | 1,232 sqft |
| Unfinished Basement | 1,232 sqft |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Lot Area | 17,860 sqft (0.41 acres) |
| Lot Dimensions | 178 ft deep x 100 ft wide |
| Garage Type | Detached |
| Garage Area | 907 sqft |
| Porch | Porch |
| Porch Area | 48 sqft |
| Patio Area | 60 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 108 FLORENCE DR |
|---|---|
| City | TROY |
| State | MI |
| Zip | 48098-2950 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1B |
| Legal Description | T2N, R11E, SECS 3, 4, 9, & 10 SUPERVISOR'S PLAT NO 7 W 100 FT OF E 607.92 FT OFLOT 14 EXC S 25 FT TAKEN FOR RD |
| Legal Lot Number | 14 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | TROY |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 196300 |
Source: Oakland County records, as of May 27, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 108 FLORENCE DR, TROY, MI 48098-2950 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 22, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Jun 9, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Jul 22, 2026 |
| Property Address | 108 FLORENCE DR, TROY, MI 48098-2950 |
| Document Number | 0000109815 |
| Book / Page | 61393 / 235 |
| Instrument Date | Jul 7, 2026 |
| Instrument | 2026109815 |
| Transaction Type | Mortgage |
| Record Updated | Jul 31, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 108 FLORENCE DR, TROY, MI 48098-2950 |
| Document Number | 0000109815, |
|---|---|
| Date | Jul 22, 2026 |
| Book Page | 61393/235 |
| Instrument | 2026109815 |
| Name | CITIZENS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jul 12, 2051 |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 108 FLORENCE DR, TROY, MI 48098-2950 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2022 |
| Name | Verified Name |
|---|---|
| Address | 108 FLORENCE DR, TROY, MI 48098-2950 |
| Document Number | 0000394169 |
|---|---|
| Date | Jun 9, 2022 |
| Book Page | 57835/850 |
| Instrument | 394169 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | May 22, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $2,236.00 (-3.83%) | ||
| 2023 | $222,740 | ||
| 2022 | $2,325.00 | $111,370 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 95% 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 214 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 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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