Oakland County property record for 405 Eckford Cir, Troy, MI 48085
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 2,659 sqft · built 1981 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $669,300 (Jun 2022) |
| Tax Bill | $9,425 (2025) |
| Deeds & Mortgages | May 2022 Mortgage Jun 2022 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 88-20-15-128-029 |
| Primary APN | 88-20-15-128-029 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,659 sqft Living Area |
| 1st Floor Area | 1,532 sqft |
| Basement Area | 1,532 sqft |
| Finished Basement | 1,532 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Colonial |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Gable |
| Lot Area | 12,197 sqft (0.28 acres) |
| Lot Dimensions | 161 ft deep x 74 ft wide |
| Garage Area | 424 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 80 sqft |
| Deck Area | 360 sqft |
| Patio Area | 360 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 405 ECKFORD CIR |
|---|---|
| City | TROY |
| State | MI |
| Zip | 48085-5505 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1B |
| Legal Description | T2N, R11E, SEC 15 STREAMVIEW SUB LOT 51 |
| Legal Range | 11E |
| Legal Township | 2N |
| Legal Section | 15 |
| Legal Subdivision | STREAMVIEW SUB |
| Legal Lot Number | 51 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | TROY |
| Census Block Group | 4 |
| Census Block | 4000 |
| 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 | 405 ECKFORD CIR, TROY, MI 48085-5505 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 31, 2022 | Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU |
| Jun 14, 2022 | Warranty Deed, Transfer |
| Oct 29, 2021 | Warranty Deed, Transfer ATA NATIONAL TITLE GROUP LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 14, 2022 · Amount on Record |
| Deed Sale | Jun 14, 2022 · Amount on Record |
| Deed Document Number | 2022396597 |
| Deed Book / Page | 57850 / 177 |
| Prior Transfer Date | Jul 6, 2005 |
| Prior Transfer Doc | 0000211515 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 405 ECKFORD CIR, TROY, MI 48085-5505 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2022 |
| Title Company | PREMIER TITLE |
| Name | Verified Name |
|---|---|
| Address | 6750 WANITA CT, SHELBY TOWNSHIP, MI 48317-2268 |
| Document Number | 0000388911 |
|---|---|
| Date | May 31, 2022 |
| Book Page | 57807/177 |
| Instrument | 388911 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Type Change Date | Jun 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 8.37% |
| Index | 1-Year CMT |
| Max Rate | 8.37% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Jun 14, 2022 |
| Property Address | 405 ECKFORD CIR, TROY, MI 48085-5505 |
| Document Number | 0000396597 |
| Book / Page | 57850 / 177 |
| Map Reference | LB 186 PG 1-3 |
| Instrument Date | May 19, 2022 |
| Instrument | 396597 |
| Transaction Type | Transfer |
| Record Updated | Oct 18, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $5,021.25 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 43599 SCHOENHERR RD STE 100, 43599, STERLING HEIGHTS, MI 48313-1177 |
| Name | Verified Name |
|---|---|
| Address | 405 ECKFORD CIR, TROY, MI 48085-5505 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Oct 29, 2021 |
| Property Address | 405 ECKFORD CIR, TROY, MI 48085-5505 |
| Document Number | 0000250597 |
| Book / Page | 57037 / 719 |
| Map Reference | LB 166 PG 1-3 |
| Instrument Date | Oct 15, 2021 |
| Instrument | 250597 |
| Transaction Type | Transfer |
| Record Updated | Oct 18, 2022 |
| Title Company | ATA NATIONAL TITLE GROUP LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 405 ECKFORD CIR, 405, TROY, MI 48085-5505 |
| Name | Verified Name |
|---|---|
| Address | 43599 SCHOENHERR RD, STERLING HEIGHTS, MI 48313-1180 |
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 | $9,425.00 (+2.8%) | ||
| 2023 | $368,440 | ||
| 2022 | $9,168.00 | $184,220 |
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
| 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 |
Values are read at the parcel center point; 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 255 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 Fixed Wireless · DSL | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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