2845 Chippewa Dr, Troy, MI 48085 Property Records

Oakland County property record for 2845 Chippewa Dr, Troy, MI 48085

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,619 sqft · built 1995
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$204,901 (Dec 1995)
Tax Bill	$4,768 (2025)
Deeds & Mortgages	May 2026 Construction Loan May 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`88-20-01-430-008`

Property Details

APN / Parcel Number

Primary APN	`88-20-01-430-008`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,619 sqft Living Area
1st Floor Area	1,530 sqft
Basement Area	1,530 sqft
Unfinished Basement	1,530 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Colonial
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	120 ft deep x 78 ft wide
Garage Area	537 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	64 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2845 CHIPPEWA DR
City	TROY
State	MI
Zip	48085-1118
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1D
Legal Description	T2N, R11E, SEC 1 WARWICK WOODS SUB LOT 10 1-8-93 FR 476-012
Legal Range	11E
Legal Township	2N
Legal Section	1
Legal Subdivision	WARWICK WOODS SUB
Legal Lot Number	1,10
Jurisdiction	OAKLAND MI
Township / Civil Division	TROY
Census Block Group	5
Census Block	5016
Census Tract	196000

Owner

Source: Oakland County records, as of June 1, 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	2845 CHIPPEWA DR, TROY, MI 48085-1118
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 21, 2026	Deed of Trust, Mortgage · Construction Mortgage HUNTINGTON NATIONAL BANK
May 2, 2017	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 1995 · Amount on Record
Deed Sale	Dec 18, 1995 · Amount on Record
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Recording Date	May 21, 2026
Property Address	2845 CHIPPEWA DR, TROY, MI 48085-1118
Document Number	0000068470
Book / Page	61214 / 215
Instrument Date	May 8, 2026
Instrument	202668470
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2845 CHIPPEWA DR, TROY, MI 48085-1118

Mortgage

Document Number	0000068470,
Date	May 21, 2026
Book Page	61214/215
Instrument	202668470

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 8, 2056

Interest

Rate	6.37%
Max Rate	-1%

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	2845 CHIPPEWA DR, TROY, MI 48085-1118
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000087148
Date	May 2, 2017
Book Page	50626/00544
Instrument	087148

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43229

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	358 Months
Due	Mar 28, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$4,768.00 (-3.87%)
2023			$413,580
2022	$4,960.00	$206,790

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 98% of the US · lower than 95% 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 361 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Cable	1,200 / 50
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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