4078 Ledgestone Dr, Troy, MI 48098 Property Records

Oakland County property record for 4078 Ledgestone Dr, Troy, MI 48098

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 4,096 sqft · built 1993
Lot Size	0.53 acres (23,087 sqft)
Owner	2 Individual Names on File
Last Sale	$795,000 (Jun 2019)
Tax Bill	$12,599 (2025)
Deeds & Mortgages	May 2017 Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`88-20-17-351-020`

Property Details

APN / Parcel Number

Primary APN	`88-20-17-351-020`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	16 Plumbing Fixtures
Stories	1 Story
Building Area	4,096 sqft Living Area
1st Floor Area	2,288 sqft
Basement Area	2,288 sqft
Finished Basement	2,288 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Colonial
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Lot Area	23,087 sqft (0.53 acres)
Lot Dimensions	173 ft deep x 132 ft wide
Garage Area	669 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	85 sqft
Deck Area	460 sqft
Patio Area	460 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4078 LEDGESTONE DR
City	TROY
State	MI
Zip	48098-4318
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	T2N, R11E, SEC 17 RIVER PLACE SUB LOT 19 4-25-89 FR 300-012
Legal Range	11E
Legal Township	2N
Legal Section	17
Legal Subdivision	RIVER PLACE
Legal Lot Number	4,19
Jurisdiction	OAKLAND MI
Township / Civil Division	TROY
Census Block Group	3
Census Block	3007
Census Tract	196800

Owner

4078 Ledgestone Dr is owned and occupied by two individuals who acquired it in October 2020.

Source: Oakland County records, as of July 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4078 LEDGESTONE DR, TROY, MI 48098-4318
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.

Deeds, Mortgages & Sale History

Date	Document
May 12, 2017	Deed of Trust, Mortgage · ARM SUMMIT FUNDING INC
Nov 19, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage TCF NATIONAL BANK
Jun 18, 2019	Warranty Deed, Transfer ATA NATIONAL TITLE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2019 · Amount on File
Deed Sale	Jun 18, 2019 · Amount on File
Prior Sale	Aug 19, 2016 · Amount on File
Deed Document Number	201997384
Deed Book / Page	52940 / 530
Last Transfer Date	Oct 26, 2020
Transfer Doc	0000244693
Record Updated	Oct 29, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	4078 LEDGESTONE DR, TROY, MI 48098-4318
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000094365
Date	May 12, 2017
Book Page	50663/00589
Instrument	094365

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company
Address	SACRAMENTO, CA 95815

Agreement

Type	ARM
Amount	Amount on Record
Term	352 Months
Due	Sep 1, 2046

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Sep 1, 2023
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	6.12%
Index	1-Year LIBOR
Max Rate	9.12%

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OAKLAND MI
Recording Date	Nov 19, 2020
Property Address	4078 LEDGESTONE DR, TROY, MI 48098-4318
Document Number	0000244693
Book / Page	55204 / 445
Map Reference	LB 206 PG 9-12
Instrument Date	Oct 26, 2020
Instrument	244693
Transaction Type	Transfer
Record Updated	Jun 29, 2021
Title Company	MADISON SETTLEMENT SVCS LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4078 LEDGESTONE DR, TROY, MI 48098-4318

Mortgage

Document Number	0055204447
Date	Nov 19, 2020
Instrument	55204/447

Lender

Name	TCF NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 1, 2035

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jun 18, 2019
Property Address	4078 LEDGESTONE DR, TROY, MI 48098-4318
Document Number	0000097384
Book / Page	52940 / 00530
Map Reference	LB 206 PG 9-12
Instrument Date	Jun 11, 2019
Instrument	97384
Transaction Type	Transfer
Record Updated	Jun 29, 2021
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount on Record
Tax	$6,837.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4078 LEDGESTONE DR, 4078, TROY, MI 48098-4318

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4078 LEDGESTONE DR, TROY, MI 48098-4318

Tax Assessment & Valuation

The 2025 property tax bill for 4078 Ledgestone Dr was $12,599 with a homeowner's exemption.

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	Troy School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,599.00
2023			$774,440
2022	$13,432.00	$387,220

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.

Flood

FEMA maps place 4078 Ledgestone Dr in Zone X, an area of minimal flood risk.

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	1 in force

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

The area around 4078 Ledgestone Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 351 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
AT&T DSL	100 / 20

May also be available: T-Mobile.

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