Oakland County property record for 3432 Talbot Dr, Troy, MI 48083
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,087 sqft · built 2000 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $430,000 (Oct 2022) |
| Tax Bill | $6,217 (2025) |
| Deeds & Mortgages | Oct 2022 Sale & Mortgage Jul 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 88-20-22-327-042 |
| Primary APN | 88-20-22-327-042 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 12 Rooms |
| Stories | 2 Stories |
| Building Area | 2,087 sqft Living Area |
| 1st Floor Area | 859 sqft |
| Basement Area | 859 sqft |
| Finished Basement | 859 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,841 sqft (0.18 acres) |
| Lot Dimensions | 133 ft deep x 60 ft wide |
| Garage Area | 468 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 40 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 3432 TALBOT DR |
|---|---|
| City | TROY |
| State | MI |
| Zip | 48083-5046 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1E |
| Legal Description | T2N, R11E, SEC 22 REPLAT OF OUTLOT A OF BIG BEAVER S 30 FT OF W 133.34 FT OF N1/2 OF LOT 88, ALSO N 30 FT OF W 133.34 FT OF S |
| Legal Range | 11E |
| Legal Township | 2N |
| Legal Section | 22 |
| Legal Subdivision | BIG BEAVER |
| Legal Lot Number | 7,88,A |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | TROY |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 197000 |
Source: Oakland County records, as of May 27, 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 | 3432 TALBOT DR, TROY, MI 48083-5046 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 28, 2022 | Warranty Deed, Transfer · Conventional Mortgage STAUNTON FINANCIAL INC |
| Jul 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jul 21, 2017 | Warranty Deed, Transfer · Conventional Mortgage LAKE MI CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 28, 2022 · Amount on Record |
| Deed Sale | Oct 28, 2022 · Amount on Record |
| Prior Sale | Jul 21, 2017 · Amount on Record |
| Deed Document Number | 2022464558 |
| Deed Book / Page | 58223 / 78 |
| Prior Transfer Date | Sep 18, 2013 |
| Prior Transfer Doc | 0000277530 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Oct 28, 2022 |
| Property Address | 3432 TALBOT DR, TROY, MI 48083-5046 |
| Document Number | 0000464558 |
| Book / Page | 58223 / 78 |
| Map Reference | LB 26 PG 17 |
| Instrument Date | Oct 26, 2022 |
| Instrument | 464558 |
| Transaction Type | Transfer |
| Record Updated | Nov 14, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,225.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3432 TALBOT DR, 3432, TROY, MI 48083-5046 |
| Name | Verified Name |
|---|---|
| Address | 20394 BANNISTER DR, MACOMB, MI 48044-5944 |
| Document Number | 0058223774 |
|---|---|
| Date | Oct 28, 2022 |
| Instrument | 58223/774 |
| Name | STAUNTON FINANCIAL INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 3432 TALBOT DR, TROY, MI 48083-5046 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | RET |
| Name | Verified Name |
|---|
| Document Number | 0000148065 |
|---|---|
| Date | Jul 28, 2020 |
| Book Page | 54572/465 |
| Instrument | 148065 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | 58447 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Jul 21, 2017 |
| Property Address | 3432 TALBOT DR, TROY, MI 48083-5046 |
| Document Number | 0000138133 |
| Book / Page | 050889 / 000256 |
| Instrument Date | Jul 14, 2017 |
| Instrument | 138133 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2019 |
| Title Company | BANKERS TITLE SETTLEMENT SERVICES, BANKERS TITLE SETTLEMENT SVCS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,580.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2343 SOMERSET BLVD TROY MI 480844077, TROY, MI 48084-4077 |
| Document Number | 137750 |
|---|---|
| Date | Jul 21, 2017 |
| Book Page | 050887/000427 |
| Instrument | 137750 |
| Name | LAKE MI CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 20, 2047 |
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 | $6,217.00 (+12.08%) | ||
| 2023 | $338,280 | ||
| 2022 | $5,547.00 | $169,140 |
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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 22 policies |
| Nearby Flood Policies | 22 in force |
| Nearby Flood Claims | 10 (2000–2024) |
| Most Recent Claim | Aug 2024 · rainfall accumulation |
| Claims by Event |
|
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 96% of the US · lower than 91% 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 303 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 |
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
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