2943 Chippewa Dr, Troy, MI 48085 Property Records

Oakland County property record for 2943 Chippewa Dr, Troy, MI 48085

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,587 sqft · built 1996
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$299,000 (Jan 2014)
Tax Bill	$5,681 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Jul 2017 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`88-20-01-430-015`

Property Details

APN / Parcel Number

Primary APN	`88-20-01-430-015`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	2,587 sqft Living Area
1st Floor Area	1,498 sqft
Basement Area	1,200 sqft
Finished Basement	1,200 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
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
Pool Area	434 sqft
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	2943 CHIPPEWA DR
City	TROY
State	MI
Zip	48085-1121
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1D
Legal Description	T2N, R11E, SEC 1 WARWICK WOODS SUB LOT 3 1-8-93 FR 476-012
Legal Range	11E
Legal Township	2N
Legal Section	1
Legal Subdivision	WARWICK WOODS SUB
Legal Lot Number	1,3
Jurisdiction	OAKLAND MI
Township / Civil Division	TROY
Census Block Group	5
Census Block	5016
Census Tract	196000

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	2943 CHIPPEWA DR, TROY, MI 48085-1121
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Jul 18, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Jul 19, 2017	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Mar 8, 2019	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Nov 7, 2019	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Jun 14, 2021	Quit Claim Deed, Transfer · Conventional Mortgage CITIZENS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 10, 2014 · Amount on Record
Deed Sale	Jan 10, 2014 · Amount on Record
Prior Sale	Nov 5, 2007 · Amount on Record
Deed Document Number	20145234
Deed Book / Page	46698 / 816
Prior Transfer Date	Jun 22, 2007
Prior Transfer Doc	0000147733
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	2943 CHIPPEWA DR, TROY, MI 48085-1121
Transaction Type	Mortgage
Record Updated	Feb 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2943 CHIPPEWA DR, TROY, MI 48085-1121

Mortgage

Document Number	0000415351
Date	Jul 18, 2022
Book Page	57957/128
Instrument	415351

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Jun 28, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	2943 CHIPPEWA DR, TROY, MI 48085-1121
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	LIBERTY TITLE & ESCROW CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000136530
Date	Jul 19, 2017
Book Page	50879/00607
Instrument	136530

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Jun 29, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	2943 CHIPPEWA DR, TROY, MI 48085-1121
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031766
Date	Mar 8, 2019
Book Page	52632/00181
Instrument	031766

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Feb 22, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	2943 CHIPPEWA DR, TROY, MI 48085-1121
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000187171
Date	Nov 7, 2019
Book Page	53482/00370
Instrument	187171

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	ALEXANDRIA, VA 22314

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Oct 1, 2034

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	Jun 14, 2021
Property Address	2943 CHIPPEWA DR, TROY, MI 48085-1121
Document Number	0000149610
Book / Page	56376 / 382
Map Reference	LB 223 PG 17-20
Instrument Date	May 25, 2021
Instrument	149610
Transaction Type	Transfer
Record Updated	Feb 10, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2943 CHIPPEWA DR, TROY, MI 48085-1121

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2943 CHIPPEWA DR, TROY, MI 48085-1121

Mortgage

Document Number	0056376383
Date	Jun 14, 2021
Instrument	56376/383

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2036

Tax Assessment & Valuation

Source: Oakland County assessment roll, as of February 4, 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	$5,681.00 (-3.86%)
2023			$460,320
2022	$5,909.00	$230,160

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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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