Oakland County property record for 2945 Cedar Rdg Dr, Troy, MI 48084
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,522 sqft · built 1985 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $440,000 (Jul 2020) |
| Tax Bill | $7,790 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Jul 2017 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 88-20-30-126-058 |
| Primary APN | 88-20-30-126-058 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,522 sqft Living Area |
| 1st Floor Area | 1,170 sqft |
| Basement Area | 265 sqft |
| Finished Basement | 265 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Colonial |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Lot Area | 20,038 sqft (0.46 acres) |
| Lot Dimensions | 119 ft deep x 167 ft wide |
| Garage Area | 465 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 52 sqft |
| Deck Area | 192 sqft |
| Patio Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 2945 CEDAR RIDGE DR |
|---|---|
| City | TROY |
| State | MI |
| Zip | 48084-2613 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1C |
| Legal Description | T2N, R11E, SEC 30 CEDAR RIDGE LOT 3 |
| Legal Range | 11E |
| Legal Township | 2N |
| Legal Section | 30 |
| Legal Subdivision | CEDAR RIDGE SUB |
| Legal Lot Number | 3 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | TROY |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 197701 |
2945 Cedar Rdg Dr is owned and occupied by two individuals who bought it in July 2020.
Source: Oakland County records, as of September 3, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2945 CEDAR RIDGE DR, TROY, MI 48084-2613 |
| 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 |
|---|---|
| Jan 14, 2022 | Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Jul 25, 2017 | Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA |
| Jul 20, 2020 | Warranty Deed, Transfer · Conventional Mortgage TCF NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 20, 2020 · Amount on File |
| Deed Sale | Jul 20, 2020 · Amount on File |
| Prior Sale | Oct 1, 2013 · Amount on File |
| Deed Document Number | 2020140849 |
| Deed Book / Page | 54526 / 209 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 2945 CEDAR RIDGE DR, TROY, MI 48084-2613 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2023 |
| Title Company | CRISLO TITLE COMPANY, CISLO TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 2945 CEDAR RIDGE DR, TROY, MI 48084-2613 |
| Document Number | 0000293514 |
|---|---|
| Date | Jan 14, 2022 |
| Book Page | 57286/341 |
| Instrument | 293514 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43219 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 2945 CEDAR RIDGE DR, TROY, MI 48084-2613 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000139705 |
|---|---|
| Date | Jul 25, 2017 |
| Book Page | 50896/00861 |
| Instrument | 139705 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Jul 20, 2020 |
| Property Address | 2945 CEDAR RIDGE DR, TROY, MI 48084-2613 |
| Document Number | 0000140849 |
| Book / Page | 54526 / 209 |
| Map Reference | LB 169 PG 40 |
| Instrument Date | Jun 19, 2020 |
| Instrument | 140849 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,784.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 731 CLARA CT, 731, LAKE OSWEGO, OR 97034-5918 |
| Name | Verified Name |
|---|---|
| Address | 16925 MADOLINE ST, BEVERLY HILLS, MI 48025-5405 |
| Document Number | 0054526211 |
|---|---|
| Date | Jul 20, 2020 |
| Instrument | 54526/211 |
| Name | TCF NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
The 2025 property tax bill for 2945 Cedar Rdg Dr was $7,790 with a homeowner's exemption.
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 | $7,790.00 | ||
| 2023 | $447,140 | ||
| 2022 | $7,908.00 | $223,570 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2945 Cedar Rdg Dr 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 2945 Cedar Rdg Dr 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 303 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 · Fiber in parts of the area | 100 / 20 |
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