428 Carter Dr, Troy, MI 48098 Property Records

Oakland County property record for 428 Carter Dr, Troy, MI 48098

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,560 sqft · built 1968
Lot Size	0.47 acres (20,473 sqft)
Owner	2 Individual Names on Record
Last Sale	$215,000 (Jul 2013)
Tax Bill	$3,478 (2025)
Deeds & Mortgages	Aug 2026 Transfer
Flood Zone	Zone A (high risk)
APN	`88-20-16-402-016`

Property Details

APN / Parcel Number

Primary APN	`88-20-16-402-016`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,560 sqft Living Area
1st Floor Area	1,560 sqft
Basement Area	1,300 sqft
Unfinished Basement	1,560 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Lot Area	20,473 sqft (0.47 acres)
Lot Dimensions	193 ft deep x 106 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	238 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	428 CARTER DR
City	TROY
State	MI
Zip	48098-4657
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	T2N, R11E, SEC 16 LAKEWOOD SUB LOT 28
Legal Range	11E
Legal Township	2N
Legal Section	16
Legal Subdivision	LAKEWOOD SUB
Legal Lot Number	28
Jurisdiction	OAKLAND MI
Township / Civil Division	TROY
Census Block Group	2
Census Block	2007
Census Tract	196900

Owner

Source: Oakland County records, as of September 1, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	428 CARTER DR, TROY, MI 48098-4657
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2013 · Amount on Record
Deed Sale	Jul 10, 2013 · Amount on Record
Prior Sale	Aug 26, 2008 · Amount on Record
Deed Document Number	2013181921
Deed Book / Page	46040 / 500
Last Transfer Date	Apr 30, 2025
Transfer Doc	0000051907
Record Updated	Oct 29, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	Aug 21, 2026
Property Address	428 CARTER DR, TROY, MI 48098-4657
Document Number	0000125564
Book / Page	61484 / 148
Instrument Date	Aug 20, 2026
Instrument	2026125564
Transaction Type	Transfer
Record Updated	Sep 1, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 CARTER DR, TROY, MI 48098-4657

Tax Assessment & Valuation

Source: Oakland County assessment roll, as of February 4, 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	$3,478.00 (-3.84%)
2023			$263,680
2022	$3,617.00	$131,840

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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 95% of the US · lower than 89% 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 248 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
AT&T Fixed Wireless · DSL	100 / 20