3405 Newgate Dr, Troy, MI 48084 Property Records

Oakland County property record for 3405 Newgate Dr, Troy, MI 48084

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,912 sqft · built 1986
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on File
Last Sale	$795,000 (May 2025)
Tax Bill	$9,318 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`88-20-19-326-011`

Property Details

APN / Parcel Number

Primary APN	`88-20-19-326-011`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,912 sqft Living Area
1st Floor Area	1,600 sqft
Basement Area	1,206 sqft
Unfinished Basement	1,600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Colonial
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Lot Area	17,860 sqft (0.41 acres)
Lot Dimensions	155 ft deep x 114 ft wide
Garage Area	679 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	71 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	3405 NEWGATE DR
City	TROY
State	MI
Zip	48084-1230
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	T2N, R11E, SEC 19 WENDOVER SLY 6 FT FRONT & SLY 10 FT REAR OF LOT 96, ALSO ALLOF LOT 97
Legal Range	11E
Legal Township	2N
Legal Section	19
Legal Subdivision	WENDOVER SUB
Legal Lot Number	96-97
Jurisdiction	OAKLAND MI
Township / Civil Division	TROY
Census Block Group	1
Census Block	1019
Census Tract	196700

Owner

3405 Newgate Dr is owned and occupied by two individuals who bought it in May 2025.

Source: Oakland County records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	88 BUNTING LN, NAPERVILLE, IL 60565-1365
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Dec 6, 2019	Warranty Deed, Transfer INTERSTATE TITLE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 9, 2025 · Amount on File
Deed Sale	May 9, 2025 · Amount on File
Prior Sale	Dec 6, 2019 · Amount on File
Deed Document Number	202556278
Deed Book / Page	60191 / 720
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Recording Date	Apr 3, 2026
Property Address	3405 NEWGATE DR, TROY, MI 48084-1230
Document Number	0000040847
Book / Page	61076 / 126
Instrument Date	Mar 27, 2026
Instrument	202640847
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3405 NEWGATE DR, TROY, MI 48084-1230
Investor	Possibly a Property Investor

Mortgage

Document Number	0000040847,
Date	Apr 3, 2026
Book Page	61076/126
Instrument	202640847

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3405 NEWGATE DR, TROY, MI 48084-1230
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000114482
Date	Jun 15, 2020
Book Page	54350/208
Instrument	114482

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Dec 6, 2019
Property Address	3405 NEWGATE DR, TROY, MI 48084-1230
Document Number	0000205723
Book / Page	53591 / 00575
Map Reference	LB 43 PG 36
Instrument Date	Nov 27, 2019
Instrument	205723
Transaction Type	Transfer
Record Updated	Jun 29, 2021
Title Company	INTERSTATE TITLE INC

Transaction

Amount	Amount on Record
Tax	$4,846.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3405 NEWGATE DR, 3405, TROY, MI 48084-1230

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3405 NEWGATE DR, TROY, MI 48084-1230

Tax Assessment & Valuation

The 2025 property tax bill for 3405 Newgate Dr was $9,318 with a homeowner's exemption, up 2.4% from the year before.

Source: Oakland County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
Municipality	Troy City
Unified School District	Birmingham City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,318.00 (+2.41%)
2024	$9,099.00
2023			$554,520
2022	$9,808.00	$277,260

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.

Flood

FEMA maps place 3405 Newgate Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1981.

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
Nearby Flood Claims	4 (1981–2007)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Mar 2007 · 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.

Wildfire

Wildfire risk around 3405 Newgate 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 95% of the US · lower than 89% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 276 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Cable	1,200 / 50
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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