431 Kirk Lane Dr, Troy, MI 48084 Property Records

Oakland County property record for 431 Kirk Lane Dr, Troy, MI 48084

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,483 sqft · built 1958
Lot Size	0.44 acres (19,166 sqft)
Owner	2 Individual Names on Record
Last Sale	$240,000 (Oct 2020)
Tax Bill	$4,003 (2025)
Deeds & Mortgages	Mar 2023 Transfer Oct 2020 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`88-20-21-252-003`

Property Details

APN / Parcel Number

Primary APN	`88-20-21-252-003`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,483 sqft Living Area
1st Floor Area	1,483 sqft
Basement Area	1,483 sqft
Unfinished Basement	1,483 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1967
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Roof Type	Hip
Lot Area	19,166 sqft (0.44 acres)
Lot Dimensions	166 ft deep x 115 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	24 sqft
Deck Area	288 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	431 KIRK LANE DR
City	TROY
State	MI
Zip	48084-1764
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	T2N, R11E, SEC 21 TROY MEADOWS SUB LOT 31
Legal Range	11E
Legal Township	2N
Legal Section	21
Legal Subdivision	TROY MEADOWS
Legal Lot Number	31
Jurisdiction	OAKLAND MI
Township / Civil Division	TROY
Census Block Group	3
Census Block	3010
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	431 KIRK LANE DR, TROY, MI 48084-1764
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2023	Intrafamily Transfer, Transfer
Oct 2, 2020	Warranty Deed, Transfer · Conventional Mortgage NEW ENGLAND FCU
Jun 18, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 15, 2017	Warranty Deed, Transfer · Conventional Mortgage CITIZENS BANK NA
Jan 26, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 2020 · Amount on Record
Deed Sale	Oct 2, 2020 · Amount on Record
Prior Sale	Jun 15, 2017 · Amount on Record
Deed Document Number	2020202619
Deed Book / Page	54930 / 682
Last Transfer Date	Mar 7, 2023
Transfer Doc	0000022564
Record Updated	Sep 20, 2026

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OAKLAND MI
Recording Date	Mar 8, 2023
Property Address	431 KIRK LANE DR, TROY, MI 48084-1764
Document Number	0000022564
Book / Page	58464 / 263
Map Reference	LB 83 PG 2
Instrument Date	Mar 7, 2023
Instrument	22564
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	431 KUK LANE DR, TROY, MI 48084

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	431 KIRK LANE DR, TROY, MI 48084-1764

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Oct 2, 2020
Property Address	431 KIRK LANE DR, TROY, MI 48084-1764
Document Number	0000202619
Book / Page	54930 / 682
Map Reference	LB 83 PG 2
Instrument Date	Sep 29, 2020
Instrument	202619
Transaction Type	Transfer
Record Updated	Jun 29, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,064.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	431 KIRK LANE DR, 431, TROY, MI 48084-1764

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	705 E HARRY AVNEUE, HAZEL PARK, MI 48030-2058

Mortgage

Document Number	0054930685
Date	Oct 2, 2020
Instrument	54930/685

Lender

Name	NEW ENGLAND FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	Jun 18, 2019
Property Address	431 KIRK LANE DR, TROY, MI 48084-1764
Document Number	0000097121
Book / Page	052938 / 000626
Instrument Date	Jun 18, 2019
Instrument	97121
Transaction Type	Transfer
Record Updated	Jul 10, 2019
Title Company	ATTORNEY ONLY

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	2773 ROUNDTREE DR TROY MI 480832329, TROY, MI 48083-2329

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jun 15, 2017
Property Address	431 KIRK LANE DR, TROY, MI 48084-1764
Document Number	0000116405
Book / Page	50772 / 00107
Map Reference	LB 83 PG 2
Instrument Date	Jun 8, 2017
Instrument	116405
Transaction Type	Transfer
Record Updated	Jun 29, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,797.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	431 KIRK LANE DR, 431, TROY, MI 48084-1764

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2773 ROUNDTREE DR, TROY, MI 48083-2329

Mortgage

Document Number	0000116406
Date	Jun 15, 2017
Instrument	116406

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	Jan 26, 2017
Property Address	431 KIRK LANE DR, TROY, MI 48084-1764
Document Number	0000015634
Book / Page	050322 / 000465
Instrument Date	Jan 23, 2017
Instrument	15634
Transaction Type	Transfer
Record Updated	Mar 13, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	431 KIRK LANE DR TROY MI 480841764, TROY, MI 48084-1764

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	$4,003.00 (-3.84%)
2023			$240,080
2022	$4,163.00	$120,040

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 A, within 500 ft
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 80% of the US · above 51% of Michigan
Wildfire Likelihood	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 67 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 Fixed Wireless · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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