4177 Beach Rd, Troy, MI 48098 Property Records

Oakland County property record for 4177 Beach Rd, Troy, MI 48098

Property Summary

Property Type	Condominium
Lot Size	0.45 acres (19,602 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (Jul 2015)
Tax Bill	$13,865 (2025)
Deeds & Mortgages	May 2021 Mortgage May 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`88-20-18-376-040`

Property Details

APN / Parcel Number

Primary APN	`88-20-18-376-040`

Exterior

Architectural Style	Condo/Apartment
Lot Area	19,602 sqft (0.45 acres)

Utilities, Heating & Cooling

Sewer	Municipal

Location & Zoning

Street Address	4177 BEACH RD
City	TROY
State	MI
Zip	48098-4273
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R1A
Legal Description	T2N,R11E, SEC 18 OAKLAND COUNTY CONDOMINIUM PLAN NO 1555 AMHERST ON THE RIVERCONDOMINIUMS UNIT 3 L30572-P550 09-05-03 FR 037
Legal Range	11E
Legal Township	2N
Legal Section	18
Legal Subdivision	OAKLAND COUNTY CONDOMINIUM
Legal Unit	3
Jurisdiction	OAKLAND MI
Township / Civil Division	TROY
Census Block Group	1
Census Block	1015
Census Tract	196600

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	4177 BEACH RD, TROY, MI 48098-4273
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU
May 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU
Feb 3, 2020	Quit Claim Deed, Transfer LAKE MI CU
Apr 11, 2017	Loan Modification, Mortgage LAKE MI CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2015 · Amount on Record
Deed Sale	Jul 22, 2015 · Amount on Record
Deed Document Number	2015148948
Deed Book / Page	48422 / 322
Last Transfer Date	Dec 26, 2019
Transfer Doc	0000024654
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	4177 BEACH RD, TROY, MI 48098-4273
Transaction Type	Mortgage
Record Updated	Oct 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4177 BEACH RD, TROY, MI 48098-4273

Mortgage

Document Number	0000133760
Date	May 20, 2021
Book Page	56270/446
Instrument	133760

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2031

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	4177 BEACH RD, TROY, MI 48098-4273
Transaction Type	Mortgage
Record Updated	Oct 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000129942
Date	May 19, 2021
Book Page	56260/363
Instrument	129942

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	ROSE CITY, MI 48654

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2031

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	Feb 3, 2020
Property Address	4177 BEACH RD, TROY, MI 48098-4273
Document Number	0000024654
Book / Page	053792 / 000305
Instrument Date	Dec 26, 2019
Instrument	24654
Transaction Type	Transfer
Record Updated	Mar 4, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4177 BEACH RD TROY MI 480984273, TROY, MI 48098-4273

Mortgage

Document Number	24655
Date	Feb 3, 2020
Book Page	053792/000307
Instrument	24655

Lender

Name	LAKE MI CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Feb 2, 2035

April 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OAKLAND MI
Property Address	4177 BEACH RD, TROY, MI 48098-4273
Document Number	0000076413
Book / Page	050574 / 000088
Instrument Date	Apr 11, 2017
Transaction Type	Mortgage
Record Updated	Dec 8, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4177 BEACH RD TROY MI 480984273, TROY, MI 48098-4273

Mortgage

Document Number	0000076413
Date	Apr 14, 2017
Book Page	050574/000088
Instrument	76413

Lender

Name	LAKE MI CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501-2848

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 13, 2047

Interest

Rate	4.87%

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	Birmingham City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$13,865.00 (-3.86%)
2023			$928,900
2022	$14,421.00	$464,450

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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 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.

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 292 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 · Fiber, Fixed Wireless in parts of the area	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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