2651 Winter Dr, Troy, MI 48083 Property Records

Oakland County property record for 2651 Winter Dr, Troy, MI 48083

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,312 sqft · built 1976
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$373,000 (May 2024)
Tax Bill	$4,697 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Aug 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`88-20-24-405-002`

Property Details

APN / Parcel Number

Primary APN	`88-20-24-405-002`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,312 sqft Living Area
1st Floor Area	1,312 sqft
Basement Area	1,032 sqft
Unfinished Basement	1,312 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Ranch
Exterior Material	Wood Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Area	378 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	70 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2651 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 194
Legal Range	11E
Legal Township	2N
Legal Section	24
Legal Subdivision	BEAVER TRAIL SUB #2
Legal Lot Number	194
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	3892 WOODBINE CT, SHELBY TOWNSHIP, MI 48316-1345
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2023	Deed of Trust, Mortgage · Line of Credit CREDIT UNION ONE
Aug 26, 2020	Warranty Deed, Transfer · Conventional Mortgage ROSS MORTGAGE CORP
Oct 8, 2019	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2024 · Amount on Record
Deed Sale	May 16, 2024 · Amount on Record
Prior Sale	Aug 26, 2020 · Amount on Record
Deed Document Number	202454263
Deed Book / Page	59357 / 293
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	2651 WINTER DR, TROY, MI 48083-5736
Transaction Type	Mortgage
Record Updated	Jul 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2651 WINTER DR, TROY, MI 48083-5736

Mortgage

Document Number	0000066859
Date	Jun 22, 2023
Book Page	58681/349
Instrument	66859

Lender

Name	CREDIT UNION ONE
Type	Credit Union
Address	FERNDALE, MI 48220

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jun 21, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Aug 26, 2020
Property Address	2651 WINTER DR, TROY, MI 48083-5736
Document Number	0000170647
Book / Page	54719 / 399
Map Reference	LB 134 PG 20-23
Instrument Date	Aug 17, 2020
Instrument	170647
Transaction Type	Transfer
Record Updated	Jun 29, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,236.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2651 WINTER DR, 2651, TROY, MI 48083-5736

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2651 WINTER DR, TROY, MI 48083-5736

Mortgage

Document Number	0054719401
Date	Aug 26, 2020
Instrument	54719/401

Lender

Name	ROSS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Oct 8, 2019
Property Address	2651 WINTER DR, TROY, MI 48083-5736
Document Number	0000165799
Book / Page	053346 / 000516
Instrument Date	Oct 3, 2019
Instrument	165799
Transaction Type	Transfer
Record Updated	Nov 7, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$1,307.20
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	210 WINRY DR ROCHESTER HILLS MI 483071156, ROCHESTER HILLS, MI 48307-1156

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	$4,697.00 (+1.73%)
2023			$276,640
2022	$4,617.00	$138,320

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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