Oakland County property record for 2374 Chesapeake Ct, Troy, MI 48098
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,200 sqft · built 1978 |
| Lot Size | 0.58 acres (25,265 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $650,000 (Sep 2023) |
| Tax Bill | $7,938 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Jan 2026 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 88-20-07-451-011 |
| Primary APN | 88-20-07-451-011 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 3,200 sqft Living Area |
| 1st Floor Area | 1,654 sqft |
| Basement Area | 1,127 sqft |
| Unfinished Basement | 1,654 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Colonial |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Lot Area | 25,265 sqft (0.58 acres) |
| Lot Dimensions | 159 ft deep x 159 ft wide |
| Terrain | Rolling |
| Garage Area | 588 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 98 sqft |
| Deck Area | 98 sqft |
| Patio Area | 98 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 2374 CHESAPEAKE CT |
|---|---|
| City | TROY |
| State | MI |
| Zip | 48098-2478 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1B |
| Legal Description | T2N, R11E, SEC 7 CHELSEA VILLAGE SUB NO 1 LOT 10 |
| Legal Range | 11E |
| Legal Township | 2N |
| Legal Section | 7 |
| Legal Subdivision | CHELSEA VILLAGE SUB #1 |
| Legal Lot Number | 10 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | TROY |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 196500 |
Source: Oakland County records, as of May 27, 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 | 2374 CHESAPEAKE CT, TROY, MI 48098-2478 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 26, 2026 | Deed of Trust, Mortgage · Conventional Mortgage PRIME HOME LOANS INC |
| Jan 30, 2026 | Deed of Trust, Mortgage · Conventional Mortgage PRIME HOME LOANS INC |
| Sep 6, 2023 | Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY MORTGAGE INC |
| Feb 5, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 6, 2023 · Amount on Record |
| Deed Sale | Sep 6, 2023 · Amount on Record |
| Prior Sale | Jun 20, 2003 · Amount on Record |
| Deed Document Number | 202396921 |
| Deed Book / Page | 58853 / 168 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 2374 CHESAPEAKE CT, TROY, MI 48098-2478 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 2374 CHESAPEAKE CT, TROY, MI 48098-2478 |
| Document Number | 20260023836 |
|---|---|
| Date | Feb 26, 2026 |
| Book Page | 60973/199 |
| Instrument | 20260023836 |
| Name | PRIME HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | DULUTH, GA 30097 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Type Change Date | Feb 1, 2031 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3.5% |
| Max Rate At Change | 7.5% |
| Index | SOFR Average 30-Day |
| Max Rate | 10.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 2374 CHESAPEAKE CT, TROY, MI 48098-2478 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 2374 CHESAPEAKE CT, TROY, MI 48098-2478 |
| Document Number | 20260013643 |
|---|---|
| Date | Jan 30, 2026 |
| Book Page | 60914/419 |
| Instrument | 20260013643 |
| Name | PRIME HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | DULUTH, GA 30097 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Type Change Date | Feb 1, 2031 |
| Change Frequency | 6 Months |
| Min Rate At Change | 5% |
| Max Rate At Change | 7.5% |
| Index | SOFR Average 30-Day |
| Margin | 5 |
| Max Rate | 10.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Sep 6, 2023 |
| Property Address | 2374 CHESAPEAKE CT, TROY, MI 48098-2478 |
| Document Number | 0000096921 |
| Book / Page | 58853 / 168 |
| Map Reference | LB 139 PG 31-34 |
| Instrument Date | Aug 29, 2023 |
| Instrument | 96921 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2023 |
| Title Company | ATA NATIONAL TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,875.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2374 CHESAPEAKE CT, TROY, MI 48098-2478 |
| Name | Verified Name |
|---|---|
| Address | 2374 CHESAPEAKE CT, TROY, MI 48098-2478 |
| Document Number | 0000098838 |
|---|---|
| Date | Sep 8, 2023 |
| Book Page | 58865/401 |
| Instrument | 98838 |
| Name | FIRST COMMUNITY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | MURFREESBORO, TN 37129 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 2374 CHESAPEAKE CT, TROY, MI 48098-2478 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2021 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | 2374 CHESAPEMCE CT, TROY, MI 48098-2478 |
| Document Number | 0000032011 |
|---|---|
| Date | Feb 5, 2021 |
| Book Page | 55643/765 |
| Instrument | 32011 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Jan 14, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $7,938.00 (+7.42%) | ||
| 2024 | $7,390.00 (+33.3%) | ||
| 2023 | $472,920 | ||
| 2022 | $5,544.00 | $236,460 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (1985) |
| Most Recent Claim | Jan 1985 · river or lake flooding |
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 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 304 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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