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4385 Bender Ct, Troy, MI 48098 Property Records

Oakland County property record for 4385 Bender Ct, Troy, MI 48098

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 3,077 sqft · built 1985
Lot Size0.29 acres (12,632 sqft)
Owner2 Individual Names on File
Last Sale$565,000 (Mar 2021)
Tax Bill$9,038 (2025)
Deeds & MortgagesMar 2021 Mortgage
Mar 2021 Sale
+ 2 more
Flood ZoneZone X (minimal risk)
APN88-20-17-403-017

Property Details

APN / Parcel Number

Primary APN88-20-17-403-017

Interior

Bedrooms4 Beds
Full Baths3 Baths
Plumbing Fixtures9 Plumbing Fixtures
Stories1 Story
Building Area3,077 sqft Living Area
1st Floor Area1,796 sqft
Basement Area1,796 sqft
Finished Basement1,796 sqft
Game RoomGame Room
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1985
Effective Year BuiltEffective 1985
Architectural StyleColonial
Exterior MaterialBrick
Construction TypeBrick
Roof TypeGable
Lot Area12,632 sqft (0.29 acres)
Lot Dimensions228 ft deep x 56 ft wide
Garage Area716 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool TypePool Type
Pool Area740 sqft
PorchSlab
Porch Area74 sqft
Deck Area121 sqft
Patio Area521 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas
SewerMunicipal

Location & Zoning

Street Address4385 BENDER CT
CityTROY
StateMI
Zip48098-4475
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1B
Legal DescriptionT2N, R11E, SEC 17 MERIHILL ACRES SUB LOT 183
Legal Range11E
Legal Township2N
Legal Section17
Legal SubdivisionMERIHILL ACRES SUB
Legal Lot Number183
JurisdictionOAKLAND MI
Township / Civil DivisionTROY
Census Block Group2
Census Block2002
Census Tract196800

Owner

Source: Oakland County assessment roll, as of February 4, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address4385 BENDER CT, TROY, MI 48098-4475
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
Mar 8, 2021Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Mar 4, 2021Warranty Deed, Transfer
ETITLE AGENCY INC
Mar 9, 2020Deed of Trust, Mortgage · Conventional Mortgage
PROVIDENT FUNDING ASSOCIATES LP
Aug 5, 2019Warranty Deed, Transfer · Conventional Mortgage
PROVIDENT FUNDING ASSOCIATES LP

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 4, 2021 · Amount on Record
Deed SaleMar 4, 2021 · Amount on Record
Prior SaleAug 5, 2019 · Amount on Record
Deed Document Number202158194
Deed Book / Page55826 / 563
Last Transfer DateSep 17, 2024
Transfer Doc0000108937
Record UpdatedSep 20, 2026

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOAKLAND MI
Property Address4385 BENDER CT, TROY, MI 48098-4475
Transaction TypeMortgage
Record UpdatedFeb 10, 2023
Title CompanyFIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address4056 3 OAKS DR 4, 4, TROY, MI 48098-4519

Mortgage

Document Number0000060453
DateMar 8, 2021
Book Page55841/418
Instrument60453
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMar 1, 2051

March 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOAKLAND MI
Recording DateMar 4, 2021
Property Address4385 BENDER CT, TROY, MI 48098-4475
Document Number0000058194
Book / Page55826 / 563
Map ReferenceLB 169 PG 3
Instrument DateFeb 22, 2021
Instrument58194
Transaction TypeTransfer
Record UpdatedFeb 10, 2023
Title CompanyETITLE AGENCY INC

Transaction

AmountAmount Recorded
Tax$4,859.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address235 SAYRE LN, MURFREESBORO, TN 37127-8333

Transferred To (Grantee/Buyer)

NameVerified Name
Address4056 3 OAKS DR APT 4B, 4B, TROY, MI 48098-4552

March 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOAKLAND MI
Property Address4385 BENDER CT, TROY, MI 48098-4475
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000046640
DateMar 9, 2020
Book Page53923/720
Instrument46640
Lender
NamePROVIDENT FUNDING ASSOCIATES LP
TypeMortgage Company
AddressBURLINGAME, CA 94010
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMar 1, 2050

August 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOAKLAND MI
Recording DateAug 5, 2019
Property Address4385 BENDER CT, TROY, MI 48098-4475
Document Number0000124728
Book / Page53100 / 00218
Map ReferenceLB 169 PG 3
Instrument DateJul 31, 2019
Instrument124728
Transaction TypeTransfer
Record UpdatedJun 29, 2021
Title CompanyRET

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$4,429.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4385 BENDER CT, 4385, TROY, MI 48098-4475

Transferred To (Grantee/Buyer)

NameVerified Name
Address4385 BENDER CT, TROY, MI 48098-4475

Mortgage

Document Number5310000220
DateAug 5, 2019
Instrument53100/00220
Lender
NamePROVIDENT FUNDING ASSOCIATES LP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 1, 2049

Tax Assessment & Valuation

Source: Oakland County assessment roll, as of February 4, 2026

Property Jurisdictions

TypeName
StateMichigan
CountyOakland County
MunicipalityTroy City
Unified School DistrictTroy School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$9,038.00 (-4%)
2023$542,860
2022$9,415.00$271,430

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

Source: FEMA National Flood Hazard Layer, effective December 8, 2024

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire RiskLow
lower than 99.1% of the US · lower than 98.4% of Michigan
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemTROY
serves 85,854 people · EPA ID MI0006690
Water SourcePurchased surface water from GREAT LAKES WATER AUTHORITY
Last State InspectionDec 2023
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 271 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
WOW Internet, Cable & Phone
Cable		1,200 / 50
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile USA
Fixed Wireless		100 / 20
AT&T
Fixed Wireless · DSL		100 / 20

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