Oakland County property record for 2176 Topaz Dr, Troy, MI 48085
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,895 sqft · built 1976 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $340,000 (Jun 2021) |
| Tax Bill | $5,359 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Apr 2026 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 88-20-12-103-006 |
| Primary APN | 88-20-12-103-006 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,895 sqft Living Area |
| 1st Floor Area | 1,883 sqft |
| Basement Area | 1,403 sqft |
| Unfinished Basement | 1,883 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 120 ft deep x 73 ft wide |
| Garage Area | 418 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 135 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 2176 TOPAZ DR |
|---|---|
| City | TROY |
| State | MI |
| Zip | 48085-3889 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1C |
| Legal Description | T2N, R11E, SEC 12 STONERIDGE SUB NO 2 LOT 478 |
| Legal Range | 11E |
| Legal Township | 2N |
| Legal Section | 12 |
| Legal Subdivision | STONERIDGE SUB #2 |
| Legal Lot Number | 478 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | TROY |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 196000 |
2176 Topaz Dr is owned and occupied by an individual who bought it in June 2021.
Source: Oakland County records, as of May 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2176 TOPAZ DR, TROY, MI 48085-3889 |
| 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.
| Date | Document |
|---|---|
| Apr 3, 2026 | Deed of Trust · Line of Credit FIGURE LENDING LLC |
| Apr 3, 2026 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Jun 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NATIONAL MORTGAGE HOME LOANS LLC |
| Jun 22, 2021 | Warranty Deed, Transfer ATA NATIONAL TITLE GROUP LLC |
| Jun 22, 2017 | Warranty Deed, Transfer · FHA Mortgage SUCCESS MORTGAGE PARTNERS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 22, 2021 · Amount on File |
| Deed Sale | Jun 22, 2021 · Amount on File |
| Prior Sale | Jun 22, 2017 · Amount on File |
| Deed Document Number | 2021158733 |
| Deed Book / Page | 56437 / 488 |
| Prior Transfer Date | Sep 30, 2013 |
| Prior Transfer Doc | 0000256819 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Apr 3, 2026 |
| Property Address | 2176 TOPAZ DR, TROY, MI 48085-3889 |
| Document Number | 0000041474 |
| Book / Page | 61078 / 383 |
| Instrument Date | Mar 27, 2026 |
| Instrument | 2026.41474 |
| Record Updated | May 8, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES (RE |
| Name | Verified Name |
|---|---|
| Address | 2176 TOPAZ DR, TROY, MI 48085-3889 |
| Document Number | 0000041474, |
|---|---|
| Date | Apr 3, 2026 |
| Book Page | 61078/383 |
| Instrument | 2026.41474 |
| Name | FIGURE LENDING LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Apr 22, 2036 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Apr 3, 2026 |
| Property Address | 2176 TOPAZ DR, TROY, MI 48085-3889 |
| Document Number | 20260041474 |
| Book / Page | 61078 / 383 |
| Instrument Date | Mar 27, 2026 |
| Instrument | 202641474 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 2176 TOPAZ DR, TROY, MI 48085-3889 |
| Document Number | 0000041474, |
|---|---|
| Date | Apr 3, 2026 |
| Book Page | 61078/383 |
| Instrument | 202641474 |
| Name | FIGURE LENDING LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Apr 22, 2036 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 2176 TOPAZ DR, TROY, MI 48085-3889 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2441 DORCHESTER DR N 203, 203, TROY, MI 48084-3768 |
| Document Number | 0000162186 |
|---|---|
| Date | Jun 25, 2021 |
| Book Page | 56460/882 |
| Instrument | 162186 |
| Name | NATIONAL MORTGAGE HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | TROY, MI 48083 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Jun 22, 2021 |
| Property Address | 2176 TOPAZ DR, TROY, MI 48085-3889 |
| Document Number | 0000158733 |
| Book / Page | 56437 / 488 |
| Map Reference | LB 139 PG 10-15 |
| Instrument Date | Jun 21, 2021 |
| Instrument | 158733 |
| Transaction Type | Transfer |
| Record Updated | Oct 18, 2022 |
| Title Company | ATA NATIONAL TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $2,924.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2176 TOPAZ DR, 2176, TROY, MI 48085-3889 |
| Name | Verified Name |
|---|---|
| Address | 2441 DORCHESTER DR N APT 203, 203, TROY, MI 48084-3768 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Jun 22, 2017 |
| Property Address | 2176 TOPAZ DR, TROY, MI 48085-3889 |
| Document Number | 0000120776 |
| Book / Page | 50797 / 00117 |
| Map Reference | LB 139 PG 10-15 |
| Instrument Date | Jun 21, 2017 |
| Instrument | 120776 |
| Transaction Type | Transfer |
| Record Updated | Oct 18, 2022 |
| Title Company | ALA NATEONAL TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,150.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2176 TOPAZ DR, 2176, TROY, MI 48085-3889 |
| Name | Verified Name |
|---|---|
| Address | 1942 AXTELL DR, TROY, MI 48084-4420 |
| Document Number | 0000120777 |
|---|---|
| Date | Jun 22, 2017 |
| Instrument | 120777 |
| Name | SUCCESS MORTGAGE PARTNERS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2047 |
The 2025 property tax bill for 2176 Topaz Dr was $5,359 with a homeowner's exemption, up 2.4% from the year before.
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 | $5,359.00 (+2.41%) | ||
| 2024 | $5,233.00 | ||
| 2023 | $306,740 | ||
| 2022 | $5,320.00 | $153,370 |
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 2176 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.
No wildfire likelihood is modeled around 2176 Topaz Dr, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no wildfire likelihood modeled here |
|---|
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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