Oakland County property record for 1197 Kinlock Dr, Troy, MI 48098
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,103 sqft · built 1985 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $635,000 (Sep 2026) |
| Tax Bill | $8,842 (2025) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Sep 2026 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 88-20-05-477-001 |
| Primary APN | 88-20-05-477-001 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,103 sqft Living Area |
| 1st Floor Area | 1,248 sqft |
| Basement Area | 815 sqft |
| Unfinished Basement | 1,248 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Colonial |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Lot Area | 15,682 sqft (0.36 acres) |
| Lot Dimensions | 155 ft deep x 100 ft wide |
| Garage Area | 457 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 98 sqft |
| Deck Area | 576 sqft |
| Patio Area | 576 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 1197 KINLOCK DR |
|---|---|
| City | TROY |
| State | MI |
| Zip | 48098-2042 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1B |
| Legal Description | T2N, R11E, SEC 5 CRESCENT RIDGE SUB NO 1 LOT 167 |
| Legal Range | 11E |
| Legal Township | 2N |
| Legal Section | 5 |
| Legal Subdivision | CRESCENT RIDGE SUB #1 |
| Legal Lot Number | 167 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | TROY |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 196400 |
1197 Kinlock Dr is owned and occupied by two individuals who bought it in September 2026.
Source: Oakland County records, as of September 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1053 W MEAD RD, SAINT JOHNS, MI 48879-9411 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 17, 2026 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE CENTER LLC |
| Sep 17, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Jan 15, 2022 | Deed of Trust, Mortgage ROCKET MORTGAGE LLC |
| Aug 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Dec 26, 2019 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 17, 2026 · Amount on File |
| Deed Sale | Sep 17, 2026 · Amount on File |
| Prior Sale | May 28, 2024 · Amount on File |
| Deed Document Number | 2026138254 |
| Deed Book / Page | 61557 / 432 |
| Prior Transfer Date | Jul 10, 2026 |
| Prior Transfer Doc | 0000138253 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Sep 17, 2026 |
| Property Address | 1197 KINLOCK DR, TROY, MI 48098-2042 |
| Document Number | 0000138254 |
| Book / Page | 61557 / 432 |
| Instrument Date | Sep 14, 2026 |
| Instrument | 2026138254 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2026 |
| Title Company | VANGUARD TITLE COMPANY, VANGUARD TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $481,012.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1053 W MEAD RD, SAINT JOHNS, MI 48879-9411 |
| Document Number | 0000138805, |
|---|---|
| Date | Sep 17, 2026 |
| Book Page | 61560/637 |
| Instrument | 2026138805 |
| Name | MORTGAGE CENTER LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Sep 17, 2026 |
| Property Address | 1197 KINLOCK DR, TROY, MI 48098-2042 |
| Document Number | 0000138253 |
| Book / Page | 61557 / 430 |
| Instrument Date | Jul 10, 2026 |
| Instrument | 2026138253 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1197 KINLOCK DR, TROY, MI 48098-2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 1197 KINLOCK DR, TROY, MI 48098-2042 |
| Transaction Type | Mortgage |
| Record Updated | Apr 4, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 1197 KINLOCK DR, TROY, MI 48098-2042 |
| Document Number | 0000295092 |
|---|---|
| Date | Jan 15, 2022 |
| Book Page | 57296/191 |
| Instrument | 295092 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Jan 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 1197 KINLOCK DR, TROY, MI 48098-2042 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 1197 KINLOCK DR, TROY, MI 48098-2042 |
| Document Number | 0000163496 |
|---|---|
| Date | Aug 17, 2020 |
| Book Page | 54670/27 |
| Instrument | 163496 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 1197 KINLOCK DR, TROY, MI 48098-2042 |
| Document Number | 0000005954 |
| Instrument Date | Dec 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1197 KINLOCK DR TROY MI 480982042, TROY, MI 48098-2042 |
| Document Number | 0000005954 |
|---|---|
| Date | Jan 9, 2020 |
| Book Page | 053682/000636 |
| Instrument | 5954 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jan 8, 2040 |
The 2025 property tax bill for 1197 Kinlock Dr was $8,842 with a homeowner's exemption, up 67.2% from the year before.
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 | $8,842.00 (+67.18%) | ||
| 2024 | $5,289.00 | ||
| 2023 | $386,780 | ||
| 2022 | $7,208.00 | $193,390 |
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.
FEMA maps place 1197 Kinlock Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2003.
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 Claims | 2 (2003–2006) |
| Most Recent Claim | Jun 2006 · 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 risk around 1197 Kinlock 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 99.1% of the US · lower than 98.4% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 205 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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