Oakland County property record for 2089 Topaz Dr, Troy, MI 48085
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,207 sqft · built 1976 |
| Lot Size | 0.02 acres (871 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $385,000 (Dec 2025) |
| Tax Bill | $5,203 (2025) |
| Deeds & Mortgages | Dec 2025 Sale & Mortgage Oct 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 88-20-12-100-039 |
| Primary APN | 88-20-12-100-039 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 3 Stories |
| Building Area | 2,207 sqft Living Area |
| 1st Floor Area | 1,503 sqft |
| Basement Area | 1,413 sqft |
| Unfinished Basement | 815 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Tri-Level |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Lot Area | 871 sqft (0.02 acres) |
| Lot Dimensions | 120 ft deep x 7 ft wide |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 85 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 2089 TOPAZ DR |
|---|---|
| City | TROY |
| State | MI |
| Zip | 48085-3837 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1C |
| Legal Description | T2N, R11E, SEC 12 STONERIDGE SUB NO 2 LOT 465 9-24-85 TRAN FR 102-002 |
| Legal Range | 11E |
| Legal Township | 2N |
| Legal Section | 12 |
| Legal Subdivision | STONERIDGE SUBDVISION #2 |
| Legal Lot Number | 9,465 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | TROY |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 196000 |
2089 Topaz Dr is owned and occupied by two individuals who bought it in December 2025.
Source: Oakland County records, as of June 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3332 COOLIDGE HWY, ROYAL OAK, MI 48073-6857 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 9, 2025 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Oct 27, 2021 | Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 8, 2021 | Warranty Deed, Transfer ETITLE AGENCY INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 9, 2025 · Amount on File |
| Deed Sale | Dec 9, 2025 · Amount on File |
| Prior Sale | Sep 8, 2021 · Amount on File |
| Deed Document Number | 2025154115 |
| Deed Book / Page | 60767 / 759 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Dec 9, 2025 |
| Property Address | 2089 TOPAZ DR, TROY, MI 48085-3837 |
| Document Number | 20250154115 |
| Book / Page | 60767 / 759 |
| Map Reference | LB 139 PG 10-15 |
| Instrument Date | Dec 1, 2025 |
| Instrument | 20250154115 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2025 |
| Title Company | ELITE SETTLEMENTS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,887.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 141 PUNKIN RUN, RICHMOND, KY 40475-7584 |
| Name | Verified Name |
|---|---|
| Address | 3332 COOLIDGE HWY, ROYAL OAK, MI 48073-6857 |
| Document Number | 0060774537 |
|---|---|
| Date | Dec 9, 2025 |
| Instrument | 60774/537 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 2089 TOPAZ DR, TROY, MI 48085-3837 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4920 ALTON DR, TROY, MI 48085-5007 |
| Document Number | 0000248955 |
|---|---|
| Date | Oct 27, 2021 |
| Book Page | 57027/666 |
| Instrument | 248955 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Sep 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Sep 8, 2021 |
| Property Address | 2089 TOPAZ DR, TROY, MI 48085-3837 |
| Document Number | 0000216065 |
| Book / Page | 56813 / 660 |
| Map Reference | LB 139 PG 10-15 |
| Instrument Date | Aug 27, 2021 |
| Instrument | 216065 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2023 |
| Title Company | ETITLE AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Tax | $3,010.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2089 TOPAZ DR, TROY, MI 48085-3837 |
| Name | Verified Name |
|---|---|
| Address | 4920 ALTON DR, TROY, MI 48085-5007 |
The 2025 property tax bill for 2089 Topaz Dr was $5,203 with a homeowner's exemption.
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 | $5,203.00 | ||
| 2023 | $312,020 | ||
| 2022 | $5,411.00 | $156,010 |
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.
FEMA maps place 2089 Topaz Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.
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 (2020) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 2020 · other causes |
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 risk around 2089 Topaz 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 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 306 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
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