2048 Niagara Dr, Troy, MI 48083 Property Records

Oakland County property record for 2048 Niagara Dr, Troy, MI 48083

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,106 sqft · built 1975
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on File
Last Sale	$243,000 (Jul 2004)
Tax Bill	$3,969 (2025)
Deeds & Mortgages	Apr 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`88-20-24-303-004`

Property Details

APN / Parcel Number

Primary APN	`88-20-24-303-004`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	3 Stories
Building Area	2,106 sqft Living Area
1st Floor Area	1,434 sqft
Basement Area	1,434 sqft
Unfinished Basement	810 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Tri-Level
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	142 ft deep x 55 ft wide
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	70 sqft
Deck Area	350 sqft
Patio Area	350 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2048 NIAGARA DR
City	TROY
State	MI
Zip	48083-5665
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1D
Legal Description	T2N, R11E, SEC 24 BEAVER TRAIL SUB NO 3 LOT 276
Legal Range	11E
Legal Township	2N
Legal Section	24
Legal Subdivision	BEAVER TRAIL SUB #3
Legal Lot Number	276
Jurisdiction	OAKLAND MI
Township / Civil Division	TROY
Census Block Group	2
Census Block	2002
Census Tract	198000

Owner

2048 Niagara Dr is owned and occupied by two individuals who bought it in July 2004.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	2048 NIAGARA DR, TROY, MI 48083-5665
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2004 · Amount on File
Deed Sale	Jul 20, 2004 · Amount on File
Deed Document Number	2004319016
Deed Book / Page	33611 / 298
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Recording Date	Apr 21, 2026
Property Address	2048 NIAGARA DR, TROY, MI 48083-5665
Document Number	20260053278
Book / Page	61127 / 763
Instrument Date	Mar 26, 2026
Instrument	202653278
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2048 NIAGARA DR, TROY, MI 48083-5665
Investor	Possibly a Property Investor

Mortgage

Document Number	0000053278,
Date	Apr 21, 2026
Book Page	61127/763
Instrument	202653278

Lender

Name	MUTUAL/OMAHA MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 2048 Niagara Dr was $3,969 with a homeowner's exemption, down 2.9% 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	Troy School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,969.00 (-2.86%)
2024	$4,086.00
2023			$307,740
2022	$3,415.00	$153,870

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

Flood

FEMA maps place 2048 Niagara 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 (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.

Wildfire

Wildfire risk around 2048 Niagara 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 393 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Cable	1,200 / 50
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

Nearby Properties on Niagara Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures