Oakland County property record for 2046 Cecil Dr, Troy, MI 48083
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,395 sqft · built 1955 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $173,000 (May 2019) |
| Tax Bill | $2,182 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Jul 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 88-20-24-301-005 |
| Primary APN | 88-20-24-301-005 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,395 sqft Living Area |
| 1st Floor Area | 1,395 sqft |
| Basement Area | 1,395 sqft |
| Unfinished Basement | 1,395 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Foundation Type | Raised |
| Roof Type | Gable |
| Lot Area | 10,454 sqft (0.24 acres) |
| Lot Dimensions | 130 ft deep x 80 ft wide |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 25 sqft |
| Deck Area | 375 sqft |
| Patio Area | 375 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 2046 CECIL DR |
|---|---|
| City | TROY |
| State | MI |
| Zip | 48083-5620 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1D |
| Legal Description | T2N, R11E, SEC 24 PART OF SW 1/4 BEG AT PT DIST S 00-29-00 E 914 FT & N89-24-00 E 249.50 FT FROM W 1/4 COR, TH N 89-24-00 E |
| Legal Range | 11E |
| Legal Township | 2N |
| Legal Section | 24 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | TROY |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 198000 |
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 | 2046 CECIL DR, TROY, MI 48083-5620 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 20, 2022 | Deed of Trust, Mortgage ROCKET MORTGAGE LLC |
| Jul 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HUD-HOUSING/URBAN DEV |
| May 1, 2019 | Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS |
| Oct 26, 2017 | Deed of Trust, Mortgage CALIBER HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 1, 2019 · Amount on Record |
| Deed Sale | May 1, 2019 · Amount on Record |
| Deed Document Number | 201967756 |
| Deed Book / Page | 52785 / 757 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 2046 CECIL DR, TROY, MI 48083-5620 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 2046 CECIL DR, TROY, MI 48083-5620 |
| Document Number | 0000298595 |
|---|---|
| Date | Jan 20, 2022 |
| Book Page | 57320/83 |
| Instrument | 298595 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 2046 CECIL DR, TROY, MI 48083-5620 |
| Document Number | 0000143963 |
| Instrument Date | Jul 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 2046 CECIL DR TROY MI 480835620, TROY, MI 48083-5620 |
| Document Number | 0000143963 |
|---|---|
| Date | Jul 23, 2020 |
| Book Page | 054547/000429 |
| Instrument | 143963 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 22, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | May 1, 2019 |
| Property Address | 2046 CECIL DR, TROY, MI 48083-5620 |
| Document Number | 0000067756 |
| Book / Page | 052785 / 000757 |
| Instrument Date | Apr 29, 2019 |
| Instrument | 67756 |
| Transaction Type | Transfer |
| Record Updated | May 27, 2019 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,487.80 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2009 BABCOCK DR TROY MI 480841301, TROY, MI 48084-1301 |
| Document Number | 67757 |
|---|---|
| Date | May 1, 2019 |
| Book Page | 052785/000760 |
| Instrument | 67757 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 30, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 2046 CECIL DR, TROY, MI 48083-5620 |
| Document Number | 0000202554 |
| Book / Page | 051242 / 000312 |
| Instrument Date | Oct 26, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2046 CECIL DR TROY MI 480835620, TROY, MI 48083-5620 |
| Document Number | 0000202554 |
|---|---|
| Date | Nov 1, 2017 |
| Book Page | 051242/000312 |
| Instrument | 202554 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 31, 2047 |
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 | $2,182.00 (-3.83%) | ||
| 2023 | $182,240 | ||
| 2022 | $2,269.00 | $91,120 |
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 | 1 (2018) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2018 · 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 98% of the US · lower than 95% 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 512 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 |
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