Oakland County property record for 3073 Otter Dr, Troy, MI 48083
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,278 sqft · built 1972 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $197,000 (Jun 2017) |
| Tax Bill | $3,569 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Mar 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 88-20-24-451-017 |
| Primary APN | 88-20-24-451-017 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,278 sqft Living Area |
| 1st Floor Area | 1,278 sqft |
| Basement Area | 1,278 sqft |
| Unfinished Basement | 1,278 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Hip |
| Lot Area | 7,405 sqft (0.17 acres) |
| Lot Dimensions | 125 ft deep x 60 ft wide |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 95 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 3073 OTTER DR |
|---|---|
| City | TROY |
| State | MI |
| Zip | 48083-5725 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1E |
| Legal Description | T2N, R11E, SEC 24 BEAVER TRAIL SUB LOT 13 |
| Legal Range | 11E |
| Legal Township | 2N |
| Legal Section | 24 |
| Legal Subdivision | BEAVER TRAIL SUB |
| Legal Lot Number | 13 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | TROY |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 198000 |
3073 Otter Dr is owned and occupied by an individual who bought it in June 2017.
Source: Oakland County records, as of May 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3073 OTTER DR, TROY, MI 48083-5725 |
| 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 7, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Mar 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| May 22, 2019 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jun 19, 2017 | Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 19, 2017 · Amount on File |
| Deed Sale | Jun 19, 2017 · Amount on File |
| Deed Document Number | 2017117931 |
| Deed Book / Page | 50780 / 288 |
| Prior Transfer Date | Feb 26, 2016 |
| Prior Transfer Doc | 0000040557 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 3073 OTTER DR, TROY, MI 48083-5725 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2021 |
| Title Company | EMBASSY TITLE |
| Name | Verified Name |
|---|---|
| Address | 3073 OTTER DR, TROY, MI 48083-5725 |
| Document Number | 0000005390 |
|---|---|
| Date | Jan 7, 2021 |
| Book Page | 55463/207 |
| Instrument | 5390 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 3073 OTTER DR, TROY, MI 48083-5725 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000054683 |
|---|---|
| Date | Mar 23, 2020 |
| Book Page | 53975/702 |
| Instrument | 54683 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 3073 OTTER DR, TROY, MI 48083-5725 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000079540 |
|---|---|
| Date | May 22, 2019 |
| Book Page | 52852/00575 |
| Instrument | 79540 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Jun 19, 2017 |
| Property Address | 3073 OTTER DR, TROY, MI 48083-5725 |
| Document Number | 0000117931 |
| Book / Page | 50780 / 00288 |
| Map Reference | LB 130 PG 36 |
| Instrument Date | Jun 12, 2017 |
| Instrument | 117931 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,694.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4731 AITKEN RD, 4731, MARLETTE, MI 48453-9307 |
| Name | Verified Name |
|---|---|
| Address | 3019 W 13 MILE RD, ROYAL OAK, MI 48073-4415 |
| Document Number | 0000117932 |
|---|---|
| Date | Jun 19, 2017 |
| Instrument | 117932 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2047 |
The 2025 property tax bill for 3073 Otter Dr was $3,569 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 | Troy School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,569.00 | ||
| 2023 | $233,740 | ||
| 2022 | $3,712.00 | $116,870 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3073 Otter Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.
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 Claims | 1 (2018) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2018 · rainfall accumulation |
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.
The area around 3073 Otter Dr has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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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