2089 Niagara Dr, Troy, MI 48083 Property Records

Oakland County property record for 2089 Niagara Dr, Troy, MI 48083

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,106 sqft · built 1976
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Last Sale	$443,450 (Nov 2022)
Tax Bill	$6,291 (2025)
Deeds & Mortgages	Nov 2022 Transfer Nov 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`88-20-24-302-021`

Property Details

APN / Parcel Number

Primary APN	`88-20-24-302-021`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 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 1976
Effective Year Built	Effective 1976
Architectural Style	Tri-Level
Exterior Material	Brick
Construction Type	Brick
Roof Type	Hip
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	152 ft deep x 60 ft wide
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	70 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2089 NIAGARA DR
City	TROY
State	MI
Zip	48083-5666
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 406
Legal Range	11E
Legal Township	2N
Legal Section	24
Legal Subdivision	BEAVER TRAIL
Legal Lot Number	406
Jurisdiction	OAKLAND MI
Township / Civil Division	TROY
Census Block Group	2
Census Block	2000
Census Tract	198000

Owner

2089 Niagara Dr is owned and occupied by two individuals who bought it in November 2022.

Source: Oakland County records, as of August 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2089 NIAGARA DR, TROY, MI 48083-5666
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
Nov 10, 2022	Quit Claim Deed, Transfer LIBERTY TITLE
Nov 14, 2022	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 4, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2022 · Amount on File
Deed Sale	Nov 14, 2022 · Amount on File
Prior Sale	Apr 4, 2022 · Amount on File
Deed Document Number	2022470739
Deed Book / Page	58256 / 627
Prior Transfer Date	Nov 4, 2022
Prior Transfer Doc	0000469860
Record Updated	Sep 20, 2026

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	Nov 10, 2022
Property Address	2089 NIAGARA DR, TROY, MI 48083-5666
Document Number	0000469860
Book / Page	58251 / 841
Map Reference	LB 135 PG 22-24
Instrument Date	Nov 4, 2022
Instrument	469860
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	LIBERTY TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2219 TUMBERY CT, LAKE ORION, MI 48362

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2219 TUMBERY CT, LAKE ORION, MI 48362

November 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Nov 14, 2022
Property Address	2089 NIAGARA DR, TROY, MI 48083-5666
Document Number	0000470739
Book / Page	58256 / 627
Map Reference	LB 135 PG 22-24
Instrument Date	Nov 4, 2022
Instrument	470739
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 3, 2023
Title Company	LIBERTY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,326.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2219 TUMBERY CT, LAKE ORION, MI 48362

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2089 NIAGARA DR, TROY, MI 48083-5666

Mortgage

Document Number	0000469850
Date	Nov 10, 2022
Book Page	58251/770
Instrument	469850

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Apr 4, 2022
Property Address	2089 NIAGARA DR, TROY, MI 48083-5666
Document Number	0000354073
Book / Page	57643 / 718
Map Reference	LB 135 PG 22
Instrument Date	Mar 25, 2022
Instrument	354073
Transaction Type	Transfer
Record Updated	Jan 19, 2023

Transaction

Amount	Amount on Record
Tax	$2,287.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	460 ONDINA DR, FREMONT, CA 94539-3781

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2219 TURNBERRY CT, LAKE ORION, MI 48362-2182

Tax Assessment & Valuation

The 2025 property tax bill for 2089 Niagara Dr was $6,291 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	$6,291.00
2023			$303,220 (-)
2022	$3,372.00 Homeowner's exemption	$151,610	$303,220

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 2089 Niagara Dr in Zone X, an area of minimal flood risk, within 100 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 100 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 2089 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.

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