1854 Delta Dr, Troy, MI 48085 Property Records

Oakland County property record for 1854 Delta Dr, Troy, MI 48085

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,507 sqft · built 1979
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Oct 2003)
Tax Bill	$4,630 (2025)
Deeds & Mortgages	Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`88-20-02-205-003`

Property Details

APN / Parcel Number

Primary APN	`88-20-02-205-003`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,507 sqft Living Area
1st Floor Area	1,433 sqft
Basement Area	1,199 sqft
Unfinished Basement	1,433 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Colonial
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	120 ft deep x 91 ft wide
Garage Area	488 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	36 sqft
Deck Area	288 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1854 DELTA DR
City	TROY
State	MI
Zip	48085-1201
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1D
Legal Description	T2N, R11E, SEC 2 SANDSHORES LAKE ESTATES NO 4LOT 195
Legal Range	11E
Legal Township	2N
Legal Section	2
Legal Subdivision	SANDSHORES LAKE ESTATES #4
Legal Lot Number	195
Jurisdiction	OAKLAND MI
Township / Civil Division	TROY
Census Block Group	4
Census Block	4001
Census Tract	196100

Owner

1854 Delta Dr is owned and occupied by two individuals who acquired it in February 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	1854 DELTA DR, TROY, MI 48085-1201
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2003 · Amount on File
Deed Sale	Oct 15, 2003 · Amount on File
Deed Document Number	2003520860
Deed Book / Page	31145 / 720
Last Transfer Date	Feb 24, 2015
Transfer Doc	0000041666
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	1854 DELTA DR, TROY, MI 48085-1201
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1854 DELTA DR, TROY, MI 48085-1201

Mortgage

Document Number	0000190264
Date	Sep 18, 2020
Book Page	54851/725
Instrument	190264

Lender

Name	MAIN STREET BANK
Type	Bank
Address	FRANKLIN, MI 48025

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Oct 1, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 1854 Delta Dr was $4,630 with a homeowner's exemption.

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	Troy School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,630.00
2023			$399,260
2022	$4,816.00	$199,630

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1854 Delta Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1998)
Most Recent Claim	Feb 1998 · ground movement

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

Wildfire risk around 1854 Delta 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 97% of the US · lower than 93% 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.

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 330 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20