Oakland County property record for 3081 Otter Dr, Troy, MI 48083
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,278 sqft · built 1971 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $245,000 (Dec 2020) |
| Tax Bill | $3,960 (2025) |
| Deeds & Mortgages | Dec 2020 Sale & Mortgage Sep 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 88-20-24-451-016 |
| Primary APN | 88-20-24-451-016 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| 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 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| 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 | 3081 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 14 |
| Legal Range | 11E |
| Legal Township | 2N |
| Legal Section | 24 |
| Legal Subdivision | BEAVER TRAIL SUB |
| Legal Lot Number | 14 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | TROY |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 198000 |
3081 Otter Dr is owned and occupied by an individual who bought it in December 2020.
Source: Oakland County records, as of May 27, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3081 OTTER DR, TROY, MI 48083-5725 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 18, 2020 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MTG |
| Sep 9, 2017 | Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN SCHOOLS & GOV'T CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 18, 2020 · Amount on File |
| Deed Sale | Dec 18, 2020 · Amount on File |
| Deed Document Number | 2020269264 |
| Deed Book / Page | 55359 / 72 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Dec 18, 2020 |
| Property Address | 3081 OTTER DR, TROY, MI 48083-5725 |
| Document Number | 0000214888 |
| Book / Page | 055359 / 000072 |
| Instrument Date | Dec 4, 2020 |
| Instrument | 214888 |
| Transaction Type | Transfer |
| Record Updated | Feb 26, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,107.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 438 COACHMAN DR #1C TROY MI 480834756, 1C, TROY, MI 48083-4756 |
| Document Number | 269265 |
|---|---|
| Date | Dec 18, 2020 |
| Book Page | 055359/000074 |
| Instrument | 269265 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Address | 585 SOUTH BLVD E, PONTIAC, MI 48341-3163 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 17, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 3081 OTTER DR, TROY, MI 48083-5725 |
| Document Number | 0000186046 |
| Book / Page | 051151 / 000586 |
| Instrument Date | Sep 9, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3081 OTTER DR TROY MI 480835725, TROY, MI 48083-5725 |
| Document Number | 0000186046 |
|---|---|
| Date | Oct 6, 2017 |
| Book Page | 051151/000586 |
| Instrument | 186046 |
| Name | MICHIGAN SCHOOLS & GOV'T CU |
|---|---|
| Type | Credit Union |
| Address | CLINTON TOWNSHIP, MI 48038 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Oct 5, 2027 |
The 2025 property tax bill for 3081 Otter Dr was $3,960 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 | $3,960.00 | ||
| 2023 | $239,780 | ||
| 2022 | $4,119.00 | $119,890 |
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.
FEMA maps place 3081 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 3081 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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