Oakland County property record for 2196 Niagara Dr, Troy, MI 48083
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,664 sqft · built 1973 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $428,000 (Jun 2026) |
| Tax Bill | $4,127 (2025) |
| Deeds & Mortgages | Nov 2024 Mortgage Jun 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 88-20-24-306-006 |
| Primary APN | 88-20-24-306-006 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,664 sqft Living Area |
| 1st Floor Area | 935 sqft |
| Basement Area | 675 sqft |
| Unfinished Basement | 935 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Architectural Style | Colonial |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Gable |
| Lot Area | 7,405 sqft (0.17 acres) |
| Lot Dimensions | 120 ft deep x 61 ft wide |
| Garage Area | 401 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 60 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 2196 NIAGARA DR |
|---|---|
| City | TROY |
| State | MI |
| Zip | 48083-5668 |
| 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 526 |
| Legal Range | 11E |
| Legal Township | 2N |
| Legal Section | 24 |
| Legal Subdivision | BEAVER TRAIL SUB #3 |
| Legal Lot Number | 526 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | TROY |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 198000 |
Source: Oakland County records, as of July 6, 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 | 35992 WOODRIDGE CIR, FARMINGTON HILLS, MI 48335-2242 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Man |
| Date | Document |
|---|---|
| Nov 8, 2024 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jun 5, 2026 | Warranty Deed, Transfer · Conventional Mortgage SISTAR MORTGAGE COMPANY |
| Aug 12, 2021 | Intrafamily Transfer, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Mar 12, 2019 | Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 5, 2026 · Amount on Record |
| Deed Sale | Jun 5, 2026 · Amount on Record |
| Prior Sale | Aug 12, 2021 |
| Deed Document Number | 202680602 |
| Deed Book / Page | 61266 / 801 |
| Prior Transfer Date | Apr 22, 2021 |
| Prior Transfer Doc | 0000198175 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 2196 NIAGARA DR, TROY, MI 48083-5668 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2196 NIAGARA DR, TROY, MI 48083-5668 |
| Document Number | 0000126243 |
|---|---|
| Date | Nov 8, 2024 |
| Book Page | 59783/155 |
| Instrument | 126243 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 318 Months |
| Due | May 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Jun 5, 2026 |
| Property Address | 2196 NIAGARA DR, TROY, MI 48083-5668 |
| Document Number | 0000080602 |
| Book / Page | 61266 / 801 |
| Instrument Date | May 29, 2026 |
| Instrument | 202680602 |
| Transaction Type | Transfer |
| Record Updated | Jun 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $324,210.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000080017, |
|---|---|
| Date | Jun 5, 2026 |
| Instrument | 202680017 |
| Name | SISTAR MORTGAGE COMPANY |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.23% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Aug 12, 2021 |
| Property Address | 2196 NIAGARA DR, TROY, MI 48083-5668 |
| Document Number | 0000198175 |
| Book / Page | 56694 / 236 |
| Map Reference | LB 135 PG 22-24 |
| Instrument Date | Apr 22, 2021 |
| Instrument | 198175 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2021 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2196 NIAGARA DR, TROY, MI 48083-5668 |
| Document Number | 0056694238 |
|---|---|
| Date | Aug 12, 2021 |
| Instrument | 56694/238 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | May 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Mar 12, 2019 |
| Property Address | 2196 NIAGARA DR, TROY, MI 48083-5668 |
| Document Number | 0000033077 |
| Book / Page | 052639 / 000156 |
| Instrument Date | Mar 4, 2019 |
| Instrument | 33077 |
| Transaction Type | Transfer |
| Record Updated | Mar 29, 2019 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,107.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2196 NIAGARA DR TROY MI 480835668, TROY, MI 48083-5668 |
| Document Number | 30809 |
|---|---|
| Date | Mar 12, 2019 |
| Book Page | 052626/000751 |
| Instrument | 30809 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 11, 2049 |
Source: Oakland County assessment roll, as of February 4, 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 | $4,127.00 (+2.41%) | ||
| 2024 | $4,030.00 (-6.13%) | ||
| 2023 | $259,800 | ||
| 2022 | $4,293.00 | $129,900 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.4% 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures