2605 Derby Rd, Troy, MI 48084 Property Records

Oakland County property record for 2605 Derby Rd, Troy, MI 48084

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,165 sqft · built 1955
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (Jul 2017)
Tax Bill	$2,609 (2025)
Deeds & Mortgages	Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`88-20-30-279-002`

Property Details

APN / Parcel Number

Primary APN	`88-20-30-279-002`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,165 sqft Living Area
1st Floor Area	1,165 sqft
Basement Area	1,165 sqft
Finished Basement	1,165 sqft
Game Room	Game Room

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	150 ft deep x 60 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	172 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2605 DERBY RD
City	TROY
State	MI
Zip	48084-2627
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1E
Legal Description	T2N, R11E, SEC 30 ADRIENNE MANOR LOT 27 & W 5.4 FT OF LOT 28
Legal Range	11E
Legal Township	2N
Legal Section	30
Legal Subdivision	ADRIENNE MANOR
Legal Lot Number	27-28
Jurisdiction	OAKLAND MI
Township / Civil Division	TROY
Census Block Group	1
Census Block	1033
Census Tract	197701

Owner

2605 Derby Rd is owned and occupied by an individual who bought it in July 2017.

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

Owner of Record	Individual Name on File
Mailing Address	2605 DERBY RD, TROY, MI 48084-2627
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 6, 2017 · Amount on File
Deed Sale	Jul 6, 2017 · Amount on File
Deed Document Number	2017128930
Deed Book / Page	50838 / 259
Prior Transfer Date	Apr 8, 2009
Prior Transfer Doc	0000069603
Record Updated	Oct 29, 2026

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jul 6, 2017
Property Address	2605 DERBY RD, TROY, MI 48084-2627
Document Number	0000128930
Book / Page	50838 / 00259
Map Reference	LB 76 PG 3
Instrument Date	Jun 29, 2017
Instrument	128930
Transaction Type	Transfer
Record Updated	Jun 29, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,634.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4025 AUBUM DR, 4025, BERKLEY, MI 48072

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2605 DERBY RD, TROY, MI 48084-2627

Mortgage

Document Number	0000128931
Date	Jul 6, 2017
Instrument	128931

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 2605 Derby Rd was $2,609 with a homeowner's exemption.

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	Birmingham City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,609.00
2023			$307,000
2022	$2,649.00	$153,500

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

Flood

FEMA maps place 2605 Derby Rd in Zone X, an area of minimal flood risk.

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 Policies	4 in force

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

The area around 2605 Derby Rd has no burnable land within ember reach, 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 burnable land within 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 541 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	1,000 / 75
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20