Oakland County property record for 2686 Winter Dr, Troy, MI 48083
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,549 sqft · built 1973 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $326,000 (Aug 2023) |
| Tax Bill | $4,439 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Mar 2024 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 88-20-24-401-014 |
| Primary APN | 88-20-24-401-014 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Building Area | 1,549 sqft Living Area |
| 1st Floor Area | 1,000 sqft |
| Basement Area | 525 sqft |
| Finished Basement | 525 sqft |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Architectural Style | Bi-Level |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Lot Area | 7,405 sqft (0.17 acres) |
| Lot Dimensions | 120 ft deep x 60 ft wide |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 28 sqft |
| Deck Area | 224 sqft |
| Patio Area | 224 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 2686 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 184 |
| Legal Range | 11E |
| Legal Township | 2N |
| Legal Section | 24 |
| Legal Subdivision | BEAVER TRAIL SUB #2 |
| Legal Lot Number | 184 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | TROY |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 198000 |
Source: Oakland County records, as of July 7, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 2686 WINTER DR, TROY, MI 48083-5735 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Man |
| Date | Document |
|---|---|
| Jun 24, 2026 | Quit Claim Deed, Transfer · Line of Credit CONSUMERS CREDIT UNION |
| Mar 7, 2024 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Aug 21, 2023 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Feb 11, 2022 | Intrafamily Transfer, Transfer |
| Jan 12, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Jun 28, 2019 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Oct 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HOME PT FIN'L |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 21, 2023 · Amount on Record |
| Deed Sale | Aug 21, 2023 · Amount on Record |
| Prior Sale | Dec 29, 2016 · Amount on Record |
| Deed Document Number | 202391264 |
| Deed Book / Page | 58821 / 143 |
| Prior Transfer Date | Jul 22, 2021 |
| Prior Transfer Doc | 0000318704 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Jun 24, 2026 |
| Property Address | 2686 WINTER DR, TROY, MI 48083-5735 |
| Document Number | 0000090414 |
| Book / Page | 61312 / 140 |
| Instrument Date | Jun 12, 2026 |
| Instrument | 202690414 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2686 WINTER DR, TROY, MI 48083-5735 |
| Document Number | 0000090415, |
|---|---|
| Date | Jun 24, 2026 |
| Book Page | 61312/142 |
| Instrument | 202690415 |
| Name | CONSUMERS CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 20, 2046 |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 2686 WINTER DR, TROY, MI 48083-5735 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2024 |
| Name | Verified Name |
|---|---|
| Address | 2686 WINTER DR, TROY, MI 48083-5735 |
| Document Number | 0000022990 |
|---|---|
| Date | Mar 7, 2024 |
| Book Page | 59208/814 |
| Instrument | 22990 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 1, 2039 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Aug 21, 2023 |
| Property Address | 2686 WINTER DR, TROY, MI 48083-5735 |
| Document Number | 0000091264 |
| Book / Page | 58821 / 143 |
| Map Reference | LB 134 PG 20-23 |
| Instrument Date | Aug 15, 2023 |
| Instrument | 91264 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2023 |
| Title Company | ATA NATIONAL TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,445.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2686 WINTER DR, TROY, MI 48083-5735 |
| Name | Verified Name |
|---|---|
| Address | 2686 WINTER DR, TROY, MI 48083-5735 |
| Document Number | 0000097870 |
|---|---|
| Date | Sep 7, 2023 |
| Book Page | 58859/53 |
| Instrument | 97870 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Feb 11, 2022 |
| Property Address | 2686 WINTER DR, TROY, MI 48083-5735 |
| Document Number | 0000318704 |
| Book / Page | 57441 / 809 |
| Map Reference | LB 134 PG 20 |
| Instrument Date | Jul 22, 2021 |
| Instrument | 318704 |
| Transaction Type | Transfer |
| Record Updated | Apr 18, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2686 WINTER DR, TROY, MI 48083-5735 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Jan 12, 2022 |
| Property Address | 2686 WINTER DR, TROY, MI 48083-5735 |
| Document Number | 0000292075 |
| Book / Page | 57277 / 488 |
| Map Reference | LB 134 PG 20 |
| Instrument Date | Jul 20, 2021 |
| Instrument | 292075 |
| Transaction Type | Transfer |
| Record Updated | Mar 11, 2022 |
| Title Company | PREMIER TITLE COMPANY, PREMIER TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2686 WINTER DR, TROY, MI 48083-5735 |
| Document Number | 0057277489 |
|---|---|
| Date | Jan 12, 2022 |
| Instrument | 57277/489 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 2686 WINTER DR, TROY, MI 48083-5735 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000103264 |
|---|---|
| Date | Jun 28, 2019 |
| Book Page | 52973/00658 |
| Instrument | 103264 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jul 1, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 2686 WINTER DR, TROY, MI 48083-5735 |
| Document Number | 0000190278 |
| Instrument Date | Oct 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 8, 2021 |
| Title Company | NTC - KEY W |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2686 WINTER DR TROY MI 480835735, TROY, MI 48083-5735 |
| Document Number | 0000190278 |
|---|---|
| Date | Nov 12, 2020 |
| Book Page | 055165/000797 |
| Instrument | 190278 |
| Name | HOME PT FIN'L |
|---|---|
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 11, 2040 |
Source: Oakland County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oakland County |
| Municipality | Troy City |
| Unified School District | Troy School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,439.00 (+18.44%) | ||
| 2023 | $257,940 | ||
| 2022 | $3,748.00 | $128,970 |
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.
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.
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 512 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 | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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