2486 Terova Dr, Troy, MI 48085 Property Records

Oakland County property record for 2486 Terova Dr, Troy, MI 48085

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,507 sqft · built 1971
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$294,300 (Dec 2020)
Tax Bill	$4,524 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`88-20-13-178-007`

Property Details

APN / Parcel Number

Primary APN	`88-20-13-178-007`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,507 sqft Living Area
1st Floor Area	1,507 sqft
Basement Area	1,507 sqft
Finished Basement	1,507 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	180 ft deep x 47 ft wide
Garage Area	399 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	35 sqft
Deck Area	539 sqft
Patio Area	539 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2486 TEROVA DR
City	TROY
State	MI
Zip	48085-3544
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	T2N, R11E, SEC 13 WINDMILL POINTE SUB NO 2 LOT 452
Legal Range	11E
Legal Township	2N
Legal Section	13
Legal Subdivision	WINDMILL POINTE SUB #2
Legal Lot Number	452
Jurisdiction	OAKLAND MI
Township / Civil Division	TROY
Census Block Group	1
Census Block	1008
Census Tract	197900

Owner

2486 Terova Dr is owned and occupied by an individual who bought it in December 2020.

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

Owner of Record	Individual Name on File
Mailing Address	2486 TEROVA DR, TROY, MI 48085-3544
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2026	Deed of Trust, Mortgage · Line of Credit WEST CAPITAL LENDING INC
Sep 21, 2020	Deed of Trust, Mortgage · VA Mortgage HANCOCK MORTGAGE PARTNERS LLC
Dec 3, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 3, 2020 · Amount on File
Deed Sale	Dec 3, 2020 · Amount on File
Prior Sale	Jun 20, 2011 · Amount on File
Deed Document Number	2020254197
Deed Book / Page	55266 / 829
Prior Transfer Date	Dec 4, 2014
Prior Transfer Doc	0000004418
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	2486 TEROVA DR, TROY, MI 48085-3544
Transaction Type	Mortgage
Record Updated	May 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20260035852
Date	Mar 25, 2026
Book Page	61048/616
Instrument	20260035852

Lender

Name	WEST CAPITAL LENDING INC
Type	Mortgage Company
Address	IRVINE, CA 92614

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Apr 13, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	2486 TEROVA DR, TROY, MI 48085-3544
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2486 TEROVA DR, TROY, MI 48085-3544

Mortgage

Document Number	0000190617
Date	Sep 21, 2020
Book Page	54854/392
Instrument	190617

Lender

Name	HANCOCK MORTGAGE PARTNERS LLC
Type	Mortgage Company
Address	SUGAR LAND, TX 77478

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Dec 3, 2020
Property Address	2486 TEROVA DR, TROY, MI 48085-3544
Document Number	0000254197
Book / Page	55266 / 829
Map Reference	LB 129 PG 36
Instrument Date	Sep 10, 2020
Instrument	254197
Transaction Type	Transfer
Record Updated	Jun 29, 2021

Transaction

Amount	Amount on Record
Tax	$2,532.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2486 TEROVA DR, 2486, TROY, MI 48085-3544

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2486 TEROVA DR, TROY, MI 48085-3544

Tax Assessment & Valuation

The 2025 property tax bill for 2486 Terova Dr was $4,524 with a homeowner's exemption, up 2.4% from the year before.

Source: Oakland County assessment roll, as of January 21, 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	$4,524.00 (+2.38%)
2024	$4,419.00
2023			$277,540
2022	$4,706.00	$138,770

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.

Flood

FEMA maps place 2486 Terova Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective December 8, 2024

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 2486 Terova 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 97% of the US · lower than 93% 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 416 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
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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