2639 Winter Dr, Troy, MI 48083 Property Records

Oakland County property record for 2639 Winter Dr, Troy, MI 48083

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,549 sqft · built 1976
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$320,000 (Jul 2021)
Tax Bill	$4,364 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`88-20-24-405-001`

Property Details

APN / Parcel Number

Primary APN	`88-20-24-405-001`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	11 Rooms
Building Area	1,549 sqft Living Area
1st Floor Area	1,000 sqft
Basement Area	1,000 sqft
Unfinished Basement	525 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Bi-Level
Exterior Material	Wood Siding
Roof Type	Gable
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	120 ft deep x 80 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	26 sqft
Deck Area	140 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2639 WINTER DR
City	TROY
State	MI
Zip	48083-5736
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 193
Legal Range	11E
Legal Township	2N
Legal Section	24
Legal Subdivision	BEAVER TRAIL SUB #2
Legal Lot Number	193
Jurisdiction	OAKLAND MI
Township / Civil Division	TROY
Census Block Group	3
Census Block	3000
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	2639 WINTER DR, TROY, MI 48083-5736
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2021	Warranty Deed, Transfer · Conventional Mortgage HALL FINANCIAL GROUP
Sep 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2021 · Amount on Record
Deed Sale	Jul 27, 2021 · Amount on Record
Prior Sale	Mar 11, 2011 · Amount on Record
Deed Document Number	2021185659
Deed Book / Page	56610 / 127
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jul 27, 2021
Property Address	2639 WINTER DR, TROY, MI 48083-5736
Document Number	0000185659
Book / Page	56610 / 127
Map Reference	LB 134 PG 20-23
Instrument Date	Jul 22, 2021
Instrument	185659
Transaction Type	Transfer
Record Updated	Feb 10, 2023
Title Company	ETITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,752.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2639 WINTER DR, TROY, MI 48083-5736

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2639 WINTER DR, SHELBY TOWNSHIP, MI 48317

Mortgage

Document Number	0056610129
Date	Jul 27, 2021
Instrument	56610/129

Lender

Name	HALL FINANCIAL GROUP
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	2639 WINTER DR, TROY, MI 48083-5736
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000156313
Date	Sep 24, 2019
Book Page	53287/00682
Instrument	156313

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

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	$4,364.00 (+1.94%)
2023			$246,860
2022	$4,281.00	$123,430

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

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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