Oakland County property record for 1231 Prosper Dr, Troy, MI 48098
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,345 sqft · built 1984 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $415,000 (Dec 2018) |
| Tax Bill | $6,737 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Mar 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 88-20-05-406-005 |
| Primary APN | 88-20-05-406-005 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,345 sqft Living Area |
| 1st Floor Area | 1,309 sqft |
| Basement Area | 1,309 sqft |
| Finished Basement | 1,309 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| 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 | 425 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 800 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 48 sqft |
| Deck Area | 414 sqft |
| Patio Area | 414 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 1231 PROSPER DR |
|---|---|
| City | TROY |
| State | MI |
| Zip | 48098-2058 |
| 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 151 |
| Legal Range | 11E |
| Legal Township | 2N |
| Legal Section | 5 |
| Legal Subdivision | CRESCENT RIDGE |
| Legal Lot Number | 151 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | TROY |
| Census Block Group | 3 |
| Census Block | 3018 |
| Census Tract | 196400 |
Source: Oakland County records, as of October 1, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1231 PROSPER DR, TROY, MI 48098-2058 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 23, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Mar 28, 2022 | Deed of Trust, Mortgage · Line of Credit MICHIGAN STATE UNIVERSITY FCU |
| Jul 21, 2021 | Deed of Trust, Mortgage · VA Mortgage USAA FSB |
| Dec 11, 2018 | Warranty Deed, Transfer · VA Mortgage USAA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 11, 2018 · Amount on Record |
| Deed Sale | Dec 11, 2018 · Amount on Record |
| Deed Document Number | 2018199353 |
| Deed Book / Page | 52428 / 626 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Sep 23, 2026 |
| Property Address | 1231 PROSPER DR, TROY, MI 48098-2058 |
| Document Number | 0000140708 |
| Book / Page | 61571 / 516 |
| Instrument Date | Sep 14, 2026 |
| Instrument | 2026140708 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1231 PROSPER DR, TROY, MI 48098-2058 |
| Document Number | 0000140708, |
|---|---|
| Date | Sep 23, 2026 |
| Book Page | 61571/516 |
| Instrument | 2026140708 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 1231 PROSPER DR, TROY, MI 48098-2058 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1231 PROSPER DR, TROY, MI 48098-2058 |
| Document Number | 0000349549 |
|---|---|
| Date | Mar 28, 2022 |
| Book Page | 57616/606 |
| Instrument | 349549 |
| Name | MICHIGAN STATE UNIVERSITY FCU |
|---|---|
| Type | Credit Union |
| Address | EAST LANSING, MI 48823 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 1231 PROSPER DR, TROY, MI 48098-2058 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1231 PROSPER DR, TROY, MI 48098-2058 |
| Document Number | 0000180330 |
|---|---|
| Date | Jul 21, 2021 |
| Book Page | 56578/847 |
| Instrument | 180330 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Address | SAN ANTONIO, TX 78288 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Dec 11, 2018 |
| Property Address | 1231 PROSPER DR, TROY, MI 48098-2058 |
| Document Number | 0000199353 |
| Book / Page | 052428 / 000626 |
| Instrument Date | Nov 29, 2018 |
| Instrument | 199353 |
| Transaction Type | Transfer |
| Record Updated | Jan 7, 2019 |
| Title Company | ETITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,569.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2300 OLD SALEM RD AUBURN HILLS MI 483263430, AUBURN HILLS, MI 48326-3430 |
| Document Number | 199354 |
|---|---|
| Date | Dec 11, 2018 |
| Book Page | 052428/000628 |
| Instrument | 199354 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 10, 2048 |
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 | $6,737.00 (-3.85%) | ||
| 2023 | $419,080 | ||
| 2022 | $7,007.00 | $209,540 |
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 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.
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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