Oakland County property record for 2649 Derby Rd, Troy, MI 48084
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,165 sqft · built 1955 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $200,000 (May 2016) |
| Tax Bill | $4,568 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Jun 2022 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 88-20-30-279-004 |
| Primary APN | 88-20-30-279-004 |
|---|
| 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 |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Gable |
| Lot Area | 8,276 sqft (0.19 acres) |
| Lot Dimensions | 150 ft deep x 54 ft wide |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 56 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 2649 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 E 49.8 FT OF LOT 29 & W 4.2 FT OF LOT 30 |
| Legal Range | 11E |
| Legal Township | 2N |
| Legal Section | 30 |
| Legal Subdivision | ADRIENNE MANOR |
| Legal Lot Number | 29-30 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | TROY |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 197701 |
2649 Derby Rd is owned and occupied by two individuals who bought it in May 2016.
Source: Oakland County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2649 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.
| Date | Document |
|---|---|
| Sep 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GENISYS CU |
| Jun 8, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage GENISYS CU |
| Dec 23, 2019 | Deed of Trust, Mortgage · Conventional with PMI GENISYS CU |
| Jul 21, 2017 | Deed of Trust, Mortgage · Conventional Mortgage GENISYS CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 9, 2016 · Amount on File |
| Deed Sale | May 9, 2016 · Amount on File |
| Prior Sale | Dec 5, 2000 · Amount on File |
| Deed Document Number | 201689119 |
| Deed Book / Page | 49346 / 186 |
| Prior Transfer Date | Feb 19, 2003 |
| Prior Transfer Doc | 0291400651 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 2649 DERBY RD, TROY, MI 48084-2627 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2649 DERBY RD, TROY, MI 48084-2627 |
| Document Number | 0000187409 |
|---|---|
| Date | Sep 16, 2020 |
| Book Page | 54834/218 |
| Instrument | 187409 |
| Name | GENISYS CU |
|---|---|
| Type | Credit Union |
| Address | AUBURN HILLS, MI 48326 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 2649 DERBY RD, TROY, MI 48084-2627 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2649 DERBY RD, TROY, MI 48084-2627 |
| Document Number | 0000393461 |
|---|---|
| Date | Jun 8, 2022 |
| Book Page | 57832/59 |
| Instrument | 393461 |
| Name | GENISYS CU |
|---|---|
| Type | Credit Union |
| Address | AUBURN HILLS, MI 48326 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | May 13, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 2649 DERBY RD, TROY, MI 48084-2627 |
| Document Number | 0000003446 |
| Instrument Date | Dec 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2649 DERBY RD TROY MI 480842627, TROY, MI 48084-2627 |
| Document Number | 0000003446 |
|---|---|
| Date | Jan 7, 2020 |
| Book Page | 053671/000744 |
| Instrument | 3446 |
| Name | GENISYS CU |
|---|---|
| Type | Credit Union |
| Address | AUBURN HILLS, MI 48326 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 6, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 2649 DERBY RD, TROY, MI 48084-2627 |
| Document Number | 0000158135 |
| Book / Page | 050995 / 000396 |
| Instrument Date | Jul 21, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 7, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2649 DERBY RD TROY MI 480842627, TROY, MI 48084-2627 |
| Document Number | 0000158135 |
|---|---|
| Date | Aug 22, 2017 |
| Book Page | 050995/000396 |
| Instrument | 158135 |
| Name | GENISYS CU |
|---|---|
| Type | Credit Union |
| Address | AUBURN HILLS, MI 48326-2947 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Aug 21, 2027 |
The 2025 property tax bill for 2649 Derby Rd was $4,568 with a homeowner's exemption, up 2.5% from the year before.
Source: Oakland County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oakland County |
| Municipality | Troy City |
| Unified School District | Birmingham City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,568.00 (+2.49%) | ||
| 2024 | $4,457.00 | ||
| 2023 | $315,640 | ||
| 2022 | $4,633.00 | $157,820 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2649 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 risk around 2649 Derby Rd 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 99.1% of the US · lower than 98.4% 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 252 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 Fixed Wireless · DSL | 100 / 20 |
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