3530 Newgate Dr, Troy, MI 48084 Property Records

Oakland County property record for 3530 Newgate Dr, Troy, MI 48084

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,824 sqft · built 1962
Lot Size	0.29 acres (12,632 sqft)
Owner	Individual Name on File
Last Sale	$234,000 (Aug 2013)
Tax Bill	$4,294 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Jun 2023 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`88-20-19-179-005`

Property Details

APN / Parcel Number

Primary APN	`88-20-19-179-005`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Building Area	1,824 sqft Living Area
1st Floor Area	1,008 sqft
Basement Area	1,008 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Bi-Level
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Lot Area	12,632 sqft (0.29 acres)
Lot Dimensions	140 ft deep x 90 ft wide
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	48 sqft
Deck Area	256 sqft
Patio Area	516 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3530 NEWGATE DR
City	TROY
State	MI
Zip	48084-1048
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	T2N, R11E, SEC 19 LEONARD LANE SLY PART OF LOT 98 MEAS 10 FT ON W LOT LINE &3.70 FT ALG E LOT LINE, ALSOALL OF LOT 99 & NLY
Legal Range	11E
Legal Township	2N
Legal Section	19
Legal Subdivision	LEONARD LANE
Legal Lot Number	98-100
Jurisdiction	OAKLAND MI
Township / Civil Division	TROY
Census Block Group	1
Census Block	1011
Census Tract	196700

Owner

3530 Newgate Dr is owned and occupied by an individual who bought it in August 2013.

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

Owner of Record	Individual Name on File
Mailing Address	3530 NEWGATE DR, TROY, MI 48084-1048
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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
Nov 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Jun 20, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TEAM ONE CU
Mar 17, 2026	Intrafamily Transfer, Transfer · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Aug 15, 2017	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CITIZENS BANK NA
Jun 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 7, 2013 · Amount on File
Deed Sale	Aug 7, 2013 · Amount on File
Prior Sale	Jul 24, 2001 · Amount on File
Deed Document Number	2013206044
Deed Book / Page	46167 / 789
Prior Transfer Date	Oct 11, 1996
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3530 NEWGATE DR, TROY, MI 48084-1048
Transaction Type	Mortgage
Record Updated	Apr 22, 2026
Title Company	ATA NATIONAL TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3530 NEWGATE DR, TROY, MI 48084-1048

Mortgage

Document Number	0000252550
Date	Nov 3, 2021
Book Page	57049/882
Instrument	252550

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 1, 2036

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3530 NEWGATE DR, TROY, MI 48084-1048
Transaction Type	Mortgage
Record Updated	Apr 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3530 NEWGATE DR, TROY, MI 48084-1048

Mortgage

Document Number	0000066185
Date	Jun 20, 2023
Book Page	58677/676
Instrument	66185

Lender

Name	TEAM ONE CU
Type	Credit Union
Address	SAGINAW, MI 48607

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Jul 1, 2033

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OAKLAND MI
Recording Date	Mar 17, 2026
Property Address	3530 NEWGATE DR, TROY, MI 48084-1048
Document Number	20260032207
Book / Page	61025 / 413
Map Reference	LB 44 PG 13
Instrument Date	Mar 11, 2026
Instrument	20260032207
Transaction Type	Transfer
Record Updated	Apr 22, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3530 NEWGATE DR, TROY, MI 48084-1048

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3530 NEWGATE DR, TROY, MI 48084-1048

Mortgage

Document Number	0061026360
Date	Mar 17, 2026
Instrument	61026/360

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2046

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3530 NEWGATE DR, TROY, MI 48084-1048
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000153890
Date	Aug 15, 2017
Book Page	50972/00674
Instrument	153890

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 14, 2032

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3530 NEWGATE DR, TROY, MI 48084-1048
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000123427
Date	Jun 24, 2020
Book Page	54403/482
Instrument	123427

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 3530 Newgate Dr was $4,294 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	$4,294.00 (+2.43%)
2024	$4,192.00
2023			$302,840
2022	$4,358.00	$151,420

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3530 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 3530 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 97% of the US · lower than 93% 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.

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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