Oakland County property record for 3445 Talbot Dr, Troy, MI 48083
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,441 sqft · built 1972 |
| Lot Size | 0.52 acres (22,651 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $135,000 (May 2010) |
| Tax Bill | $4,055 (2025) |
| Deeds & Mortgages | Mar 2020 Mortgage Nov 2020 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 88-20-22-326-007 |
| Primary APN | 88-20-22-326-007 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,441 sqft Living Area |
| 1st Floor Area | 1,441 sqft |
| Basement Area | 1,161 sqft |
| Unfinished Basement | 1,441 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Foundation Type | Raised |
| Roof Type | Gable |
| Lot Area | 22,651 sqft (0.52 acres) |
| Lot Dimensions | 225 ft deep x 75 ft wide |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 20 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 3445 TALBOT DR |
|---|---|
| City | TROY |
| State | MI |
| Zip | 48083-5047 |
| 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 LOT 94 |
| Legal Range | 11E |
| Legal Township | 2N |
| Legal Section | 22 |
| Legal Subdivision | BIG BEAVER SUB |
| Legal Lot Number | 94A |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | TROY |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 197000 |
3445 Talbot Dr is owned and occupied by two individuals who bought it in May 2010.
Source: Oakland County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3445 TALBOT DR, TROY, MI 48083-5047 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 19, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Nov 4, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Aug 1, 2018 | Loan Modification, Mortgage · Line of Credit CHEMICAL BK |
| Jan 29, 2018 | Trustee's Deed, Construction Loan · Construction Mortgage CHEMICAL BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 7, 2010 · Amount on File |
| Deed Sale | May 7, 2010 · Amount on File |
| Prior Sale | Feb 13, 2001 · Amount on File |
| Deed Document Number | 201089791 |
| Deed Book / Page | 42053 / 122 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 3445 TALBOT DR, TROY, MI 48083-5047 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000052576 |
|---|---|
| Date | Mar 19, 2020 |
| Book Page | 53962/16 |
| Instrument | 52576 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 3445 TALBOT DR, TROY, MI 48083-5047 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ABSTRACT TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 3445 TALBOT DR, TROY, MI 48083-5047 |
| Document Number | 0000229949 |
|---|---|
| Date | Nov 4, 2020 |
| Book Page | 55111/683 |
| Instrument | 229949 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 3445 TALBOT DR, TROY, MI 48083-5047 |
| Document Number | 0000065696 |
| Instrument Date | Aug 1, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 16, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3445 TALBOT DR TROY MI 480835047, TROY, MI 48083-5047 |
| Document Number | 0000065696 |
|---|---|
| Date | Apr 29, 2019 |
| Book Page | 052773/000837 |
| Instrument | 65696 |
| Name | CHEMICAL BK |
|---|---|
| Type | Bank |
| Address | TROY, MI 48084 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 28, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Jan 29, 2018 |
| Property Address | 3445 TALBOT DR, TROY, MI 48083-5047 |
| Book / Page | 051513 / 000653 |
| Instrument Date | Jan 22, 2018 |
| Instrument | 14804 |
| Transaction Type | Construction Loan |
| Record Updated | Feb 19, 2018 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3445 TALBOT DR TROY MI 480835047, TROY, MI 48083-5047 |
| Document Number | 0000014804 |
|---|---|
| Date | Jan 29, 2018 |
| Book Page | 051513/000653 |
| Instrument | 14804 |
| Name | CHEMICAL BK |
|---|---|
| Type | Bank |
| Address | WYOMING, MI 49519 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 28, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
The 2025 property tax bill for 3445 Talbot Dr was $4,055 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 | $4,055.00 | ||
| 2023 | $489,460 | ||
| 2022 | $4,218.00 | $244,730 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3445 Talbot Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective December 8, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 3445 Talbot 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 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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