2240 Rutgers Dr, Troy, MI 48085 Property Records

Oakland County property record for 2240 Rutgers Dr, Troy, MI 48085

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,002 sqft · built 1977
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$205,000 (Jan 2013)
Tax Bill	$3,511 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`88-20-12-176-003`

Property Details

APN / Parcel Number

Primary APN	`88-20-12-176-003`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	2,002 sqft Living Area
1st Floor Area	974 sqft
Basement Area	663 sqft
Unfinished Basement	974 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Colonial
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	120 ft deep x 70 ft wide
Garage Area	403 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	113 sqft
Deck Area	280 sqft
Patio Area	280 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2240 RUTGERS DR
City	TROY
State	MI
Zip	48085-3862
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	T2N, R11E, SEC 12 STONERIDGE SUB NO 2 LOT 497
Legal Range	11E
Legal Township	2N
Legal Section	12
Legal Subdivision	STONERIDGE SUB #2
Legal Lot Number	497
Jurisdiction	OAKLAND MI
Township / Civil Division	TROY
Census Block Group	2
Census Block	2004
Census Tract	196000

Owner

2240 Rutgers Dr is owned and occupied by two individuals who acquired it in July 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	2240 RUTGERS DR, TROY, MI 48085-3862
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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 2, 2023	Deed of Trust, Mortgage · Line of Credit MICHIGAN SCHOOLS & GOVERNMENT CU
Oct 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Aug 2, 2017	Trustee's Deed, Construction Loan · Construction Mortgage MICHIGAN SCHOOLS & GOV'T CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 14, 2013 · Amount on File
Deed Sale	Jan 14, 2013 · Amount on File
Deed Document Number	201316056
Deed Book / Page	45204 / 846
Last Transfer Date	Jul 26, 2024
Transfer Doc	0000084908
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	2240 RUTGERS DR, TROY, MI 48085-3862
Transaction Type	Mortgage
Record Updated	Nov 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2240 RUTGERS DR, TROY, MI 48085-3862

Mortgage

Document Number	0000120373
Date	Nov 2, 2023
Book Page	58983/408
Instrument	120373

Lender

Name	MICHIGAN SCHOOLS & GOVERNMENT CU
Type	Credit Union
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	2240 RUTGERS DR, TROY, MI 48085-3862
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000174057
Date	Oct 21, 2019
Book Page	53399/00745
Instrument	174057

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 1, 2039

August 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	OAKLAND MI
Recording Date	Aug 2, 2017
Property Address	2240 RUTGERS DR, TROY, MI 48085-3862
Book / Page	050929 / 000363
Instrument Date	Jul 11, 2017
Instrument	145344
Transaction Type	Construction Loan
Record Updated	Aug 15, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2240 RUTGERS DR TROY MI 480853862, TROY, MI 48085-3862

Mortgage

Document Number	0000145344
Date	Aug 2, 2017
Book Page	050929/000363
Instrument	145344

Lender

Name	MICHIGAN SCHOOLS & GOV'T CU
Type	Credit Union
Address	CLINTON TOWNSHIP, MI 48038

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 2240 Rutgers Dr was $3,511 with a homeowner's exemption.

Source: Oakland County assessment roll, as of February 4, 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	$3,511.00
2023			$302,100
2022	$3,651.00	$151,050

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

Flood

FEMA maps place 2240 Rutgers 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

Wildfire risk around 2240 Rutgers 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 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.

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 504 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 Fixed Wireless · DSL	100 / 20

May also be available: T-Mobile.

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