2638 Winter Dr, Troy, MI 48083 Property Records

Oakland County property record for 2638 Winter Dr, Troy, MI 48083

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,728 sqft · built 1975
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (Feb 2018)
Tax Bill	$4,635 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jul 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`88-20-24-401-010`

Property Details

APN / Parcel Number

Primary APN	`88-20-24-401-010`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	3 Stories
Building Area	1,728 sqft Living Area
1st Floor Area	1,168 sqft
Basement Area	1,168 sqft
Unfinished Basement	608 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Tri-Level
Exterior Material	Wood Siding
Roof Type	Gable
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	124 ft deep x 68 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	64 sqft
Deck Area	400 sqft
Patio Area	400 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2638 WINTER DR
City	TROY
State	MI
Zip	48083-5735
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1D
Legal Description	T2N, R11E, SEC 24 BEAVER TRAIL SUB NO 2 LOT 188
Legal Range	11E
Legal Township	2N
Legal Section	24
Legal Subdivision	BEAVER TRAIL SUB #2
Legal Lot Number	188
Jurisdiction	OAKLAND MI
Township / Civil Division	TROY
Census Block Group	3
Census Block	3002
Census Tract	198000

Owner

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	2 Individual Names on Record
Mailing Address	2638 WINTER DR, TROY, MI 48083-5735
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 30, 2018	Warranty Deed, Transfer ATA NATIONAL TITLE GROUP LLC
Feb 12, 2018	Quit Claim Deed, Transfer Quitclaim
Feb 6, 2018	Warranty Deed, Transfer ATA NATIONAL TITLE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 6, 2018 · Amount on Record
Deed Sale	Feb 6, 2018 · Amount on Record
Prior Sale	Jan 30, 2018 · Amount on Record
Deed Document Number	201819457
Deed Book / Page	51537 / 612
Prior Transfer Date	Jan 26, 2018
Prior Transfer Doc	0000021866
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	2638 WINTER DR, TROY, MI 48083-5735
Transaction Type	Mortgage
Record Updated	Mar 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2638 WINTER DR, TROY, MI 48083-5735

Mortgage

Document Number	0000050235
Date	Feb 25, 2021
Book Page	55772/865
Instrument	50235

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2036

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	2638 WINTER DR, TROY, MI 48083-5735
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000149843
Date	Jul 30, 2020
Book Page	54583/397
Instrument	149843

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2035

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jan 30, 2018
Property Address	2638 WINTER DR, TROY, MI 48083-5735
Document Number	0000015668
Book / Page	051518 / 000200
Instrument Date	Jan 26, 2018
Instrument	15668
Transaction Type	Transfer
Record Updated	Feb 21, 2018
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Tax	$2,279.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 S PIPER CT DETROIT MI 482153294, DETROIT, MI 48215-3294

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	Feb 12, 2018
Property Address	2638 WINTER DR, TROY, MI 48083-5735
Document Number	0000021866
Book / Page	051550 / 000341
Instrument Date	Jan 26, 2018
Instrument	21866
Transaction Type	Transfer
Record Updated	Feb 27, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2638 WINTER DR TROY MI 480835735, TROY, MI 48083-5735

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Feb 6, 2018
Property Address	2638 WINTER DR, TROY, MI 48083-5735
Document Number	0000019457
Book / Page	51537 / 00612
Map Reference	LB 134 PG 20-23
Instrument Date	Jan 26, 2018
Instrument	019457
Transaction Type	Transfer
Record Updated	Jun 29, 2021
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Tax	$2,279.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2638 WINTER DR, 2638, TROY, MI 48083-5735

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2638 WINTER DR, TROY, MI 48083-5735

Tax Assessment & Valuation

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	$4,635.00 (+2.41%)
2024	$4,526.00 (-6.12%)
2023			$323,880
2022	$4,821.00	$161,940

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

Flood

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	1 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 91% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 351 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
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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