Oakland County property record for 319 Cotswold Dr, Troy, MI 48085
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,565 sqft · built 2013 |
| Lot Size | 0.44 acres (19,166 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $747,000 (Jul 2021) |
| Tax Bill | $12,169 (2023) |
| Deeds & Mortgages | Jul 2021 Sale & Mortgage Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 88-20-10-127-054 |
| Primary APN | 88-20-10-127-054 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Total Rooms | 14 Rooms |
| Stories | 2 Stories |
| Building Area | 3,565 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Brick |
| Lot Area | 19,166 sqft (0.44 acres) |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 39 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 319 COTSWOLD DR |
|---|---|
| City | TROY |
| State | MI |
| Zip | 48085-3101 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | T2N, R11E, SEC 10 FAIRVIEW SUB PART OF LOT 6 BEG AT PT DIST N 88-28-28 E 130.51FT FROM SW LOT COR, TH N 88-28-28 E 110 FT, TH |
| Legal Range | 11E |
| Legal Township | 2N |
| Legal Section | 10 |
| Legal Subdivision | FAIRVIEW SUBDIVISION |
| Legal Lot Number | 6 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | TROY |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 196200 |
Source: Oakland County records, as of January 21, 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 | 319 COTSWOLD DR, TROY, MI 48085-3101 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 28, 2021 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Oct 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 28, 2021 · Amount on Record |
| Deed Sale | Jul 28, 2021 · Amount on Record |
| Prior Sale | Aug 23, 2016 · Amount on Record |
| Deed Document Number | 2021186237 |
| Deed Book / Page | 56613 / 474 |
| Prior Transfer Date | Sep 27, 2013 |
| Prior Transfer Doc | 0000266112 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Jul 28, 2021 |
| Property Address | 319 COTSWOLD DR, TROY, MI 48085-3101 |
| Document Number | 0000186237 |
| Book / Page | 56613 / 474 |
| Map Reference | LB 26 PG 19 |
| Instrument Date | Jul 22, 2021 |
| Instrument | 186237 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2023 |
| Title Company | EQUITY TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,424.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 319 COTSWOLD DR, TROY, MI 48085-3101 |
| Name | Verified Name |
|---|---|
| Address | 319 COTSWOLD DR, TROY, MI 48085-3101 |
| Document Number | 0000191322 |
|---|---|
| Date | Aug 3, 2021 |
| Book Page | 56648/666 |
| Instrument | 191322 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 319 COTSWOLD DR, TROY, MI 48085-3101 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 319 COTSWORLD DRIVE, TROY, MI 48085-3101 |
| Document Number | 0000213794 |
|---|---|
| Date | Oct 16, 2020 |
| Book Page | 55005/143 |
| Instrument | 213794 |
| Name | WYNDHAM CAPITAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Sep 1, 2050 |
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 |
|---|---|---|---|
| 2023 | $12,169.00 (+10.2%) Homeowner's exemption | $636,740 | |
| 2022 | $11,043.00 | $318,370 |
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.
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 | 2 in force |
| Nearby Flood Claims | 2 (2001–2008) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Sep 2008 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 87% 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 188 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 | 100 / 20 |
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