409 Bracken Dr, Troy, MI 48098 Property Records

Oakland County property record for 409 Bracken Dr, Troy, MI 48098

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,671 sqft · built 1998
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$291,675 (Apr 1999)
Tax Bill	$5,766 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`88-20-16-252-047`

Property Details

APN / Parcel Number

Primary APN	`88-20-16-252-047`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	2,671 sqft Living Area
1st Floor Area	1,364 sqft
Basement Area	1,364 sqft
Unfinished Basement	1,364 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Colonial
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	125 ft deep x 70 ft wide
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	41 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	409 BRACKEN DR
City	TROY
State	MI
Zip	48098-4693
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CR1
Legal Description	T2N, R11E, SEC 16 THE GLENS AT CARLSON PARK NO 2 LOT 74 10-1-97 FR 200-031
Legal Range	11E
Legal Township	2N
Legal Section	16
Legal Subdivision	THE GLENS AT CARLSON PARK #2
Legal Lot Number	10,74
Jurisdiction	OAKLAND MI
Township / Civil Division	TROY
Census Block Group	2
Census Block	2002
Census Tract	196900

Owner

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	409 BRACKEN DR, TROY, MI 48098-4693
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE ANDERSON FINANCIAL GROUP INC
Oct 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA
Aug 24, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 1999 · Amount on Record
Deed Sale	Apr 12, 1999 · Amount on Record
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	409 BRACKEN DR, TROY, MI 48098-4693
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 BRACKEN DR, TROY, MI 48098-4693

Mortgage

Document Number	0000027982
Date	Feb 2, 2021
Book Page	55617/389
Instrument	27982

Lender

Name	THE ANDERSON FINANCIAL GROUP INC
Type	Mortgage Company
Address	CHICAGO, IL 60614

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2036

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	409 BRACKEN DR, TROY, MI 48098-4693
Document Number	0000183153
Instrument Date	Oct 25, 2019
Transaction Type	Mortgage
Record Updated	Dec 5, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	409 BRACKEN DR TROY MI 480984693, TROY, MI 48098-4693

Mortgage

Document Number	0000183153
Date	Nov 4, 2019
Book Page	053456/000220
Instrument	183153

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 3, 2034

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	409 BRACKEN DR, TROY, MI 48098-4693
Document Number	0000175024
Instrument Date	Aug 24, 2017
Transaction Type	Mortgage
Record Updated	Aug 25, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	409 BRACKEN DR TROY MI 480984693, TROY, MI 48098-4693

Mortgage

Document Number	0000175024
Date	Sep 20, 2017
Book Page	051091/000403
Instrument	175024

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 19, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$5,766.00 (-3.85%)
2023			$458,340
2022	$5,997.00	$229,170

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

Flood

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

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

Wildfire Risk	Low lower than 98% of the US · lower than 95% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 42 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.

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