1783 Elm Ct, Troy, MI 48098 Property Records

Oakland County property record for 1783 Elm Ct, Troy, MI 48098

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,403 sqft · built 1999
Lot Size	0.53 acres (23,087 sqft)
Owner	2 Individual Names on File
Last Sale	$659,000 (Jul 2019)
Tax Bill	$9,745 (2025)
Deeds & Mortgages	Jul 2019 Sale & Mortgage Jan 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`88-20-05-101-028`

Property Details

APN / Parcel Number

Primary APN	`88-20-05-101-028`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	15 Rooms
Stories	1 Story
Building Area	3,403 sqft Living Area
1st Floor Area	2,422 sqft
Basement Area	2,422 sqft
Unfinished Basement	2,422 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Lot Area	23,087 sqft (0.53 acres)
Lot Dimensions	255 ft deep x 90 ft wide
Garage Area	636 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	69 sqft
Deck Area	392 sqft
Patio Area	392 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	1783 ELM CT
City	TROY
State	MI
Zip	48098-1939
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	T2N, R11E, SEC 5 ELM COURT PARK SUB'N LOT 13 9-15-98 FR 100-036
Legal Range	11E
Legal Township	2N
Legal Section	5
Legal Subdivision	ELM COURT PARK
Legal Lot Number	9,13
Jurisdiction	OAKLAND MI
Township / Civil Division	TROY
Census Block Group	2
Census Block	2001
Census Tract	196400

Owner

1783 Elm Ct is owned and occupied by two individuals who bought it in July 2019.

Source: Oakland County records, as of July 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1783 ELM CT, TROY, MI 48098-1939
Occupancy	Owner Occupied
Owner Type	Individual

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
Jul 16, 2019	Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
Jan 25, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Nov 15, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2019 · Amount on File
Deed Sale	Jul 16, 2019 · Amount on File
Prior Sale	Oct 3, 2008 · Amount on File
Deed Document Number	2019112851
Deed Book / Page	53028 / 312
Prior Transfer Date	Nov 9, 2018
Prior Transfer Doc	0000185748
Record Updated	Oct 29, 2026

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jul 16, 2019
Property Address	1783 ELM CT, TROY, MI 48098-1939
Document Number	0000112851
Book / Page	53028 / 00312
Map Reference	LB 262 PG 25-30
Instrument Date	Jul 9, 2019
Instrument	112851
Transaction Type	Transfer
Record Updated	Jun 29, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,667.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1783 ELM CT, 1783, TROY, MI 48098-1939

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1783 ELM CT, TROY, MI 48098-1939

Mortgage

Document Number	5302800292
Date	Jul 16, 2019
Instrument	53028/00292

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	1783 ELM CT, TROY, MI 48098-1939
Document Number	0000018438
Instrument Date	Jan 25, 2019
Transaction Type	Mortgage
Record Updated	Feb 20, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1783 ELM CT TROY MI 480981939, TROY, MI 48098-1939

Mortgage

Document Number	0000018438
Date	Feb 6, 2019
Book Page	052562/000194
Instrument	18438

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 5, 2049

Interest

Rate Type	Adjustable Rate

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	Nov 15, 2018
Property Address	1783 ELM CT, TROY, MI 48098-1939
Document Number	0000185748
Book / Page	052361 / 000534
Instrument Date	Nov 9, 2018
Instrument	185748
Transaction Type	Transfer
Record Updated	Dec 11, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1783 ELM CT TROY MI 480981939, TROY, MI 48098-1939

Tax Assessment & Valuation

The 2025 property tax bill for 1783 Elm Ct was $9,745 with a homeowner's exemption, up 1.1% from the year before.

Source: Oakland County assessment roll, as of January 21, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,745.00 (+1.09%)
2024	$9,640.00
2023			$656,080
2022	$11,270.00	$328,040

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 1783 Elm Ct in Zone X, an area of minimal flood risk.

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	2 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.

Wildfire

The area around 1783 Elm Ct 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	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

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 159 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 DSL · Fiber in parts of the area	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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