Oakland County property record for 3148 Otter Dr, Troy, MI 48083
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,355 sqft · built 1973 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on File |
| Last Sale | $259,900 (Nov 2019) |
| Tax Bill | $4,152 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Dec 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 88-20-24-453-001 |
| Primary APN | 88-20-24-453-001 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,355 sqft Living Area |
| 1st Floor Area | 1,355 sqft |
| Basement Area | 1,355 sqft |
| Unfinished Basement | 1,355 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Hip |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 125 ft deep x 80 ft wide |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 20 sqft |
| Deck Area | 224 sqft |
| Patio Area | 224 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 3148 OTTER DR |
|---|---|
| City | TROY |
| State | MI |
| Zip | 48083-5726 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1E |
| Legal Description | T2N, R11E, SEC 24 BEAVER TRAIL SUB LOT 29 |
| Legal Range | 11E |
| Legal Township | 2N |
| Legal Section | 24 |
| Legal Subdivision | BEAVER TRAIL SUB |
| Legal Lot Number | 29 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | TROY |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 198000 |
3148 Otter Dr is owned and occupied by an individual who bought it in November 2019.
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 | 3148 OTTER DR, TROY, MI 48083-5726 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jun 5, 2020 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Nov 4, 2019 | Warranty Deed, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 4, 2019 · Amount on File |
| Deed Sale | Nov 4, 2019 · Amount on File |
| Prior Sale | Aug 21, 1998 · Amount on File |
| Deed Document Number | 2019183610 |
| Deed Book / Page | 53459 / 812 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 3148 OTTER DR, TROY, MI 48083-5726 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2023 |
| Title Company | NOT AVAILABLE, EMBASSY TITLE |
| Name | Verified Name |
|---|---|
| Address | 3148 OTTER DR, TROY, MI 48083-5726 |
| Document Number | 0000231923 |
|---|---|
| Date | Sep 28, 2021 |
| Book Page | 56920/49 |
| Instrument | 231923 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 3148 OTTER DR, TROY, MI 48083-5726 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3148 OTTER DR, TROY, MI 48083-5726 |
| Document Number | 0000271904 |
|---|---|
| Date | Dec 22, 2020 |
| Book Page | 55377/830 |
| Instrument | 271904 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jan 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 3148 OTTER DR, TROY, MI 48083-5726 |
| Document Number | 0000115625 |
| Instrument Date | Jun 5, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 23, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3148 OTTER DR TROY MI 480835726, TROY, MI 48083-5726 |
| Document Number | 0000115625 |
|---|---|
| Date | Jun 17, 2020 |
| Book Page | 054358/000329 |
| Instrument | 115625 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 16, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Nov 4, 2019 |
| Property Address | 3148 OTTER DR, TROY, MI 48083-5726 |
| Document Number | 0000183610 |
| Book / Page | 53459 / 00812 |
| Map Reference | LB 130 PG 35&36 |
| Instrument Date | Oct 25, 2019 |
| Instrument | 183610 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2021 |
| Title Company | ETITLE AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,236.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3148 OTTER DR, 3148, TROY, MI 48083-5726 |
| Name | Verified Name |
|---|---|
| Address | 3148 OTTER DR, TROY, MI 48083-5726 |
| Document Number | 5345900814 |
|---|---|
| Date | Nov 4, 2019 |
| Instrument | 53459/00814 |
| Name | PROVIDENT FUNDING ASSOCIATES LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2049 |
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 | $4,152.00 (-3.84%) | ||
| 2023 | $268,280 | ||
| 2022 | $4,318.00 | $134,140 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3148 Otter 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 | 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.
The area around 3148 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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