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442 Carter Dr, Troy, MI 48098 Property Records

Oakland County property record for 442 Carter Dr, Troy, MI 48098

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,573 sqft · built 1971
Lot Size0.47 acres (20,473 sqft)
Owner2 Individual Names on Record
Last Sale$254,000 (Apr 2020)
Tax Bill$4,436 (2025)
Deeds & MortgagesMay 2017 Mortgage
Apr 2020 Sale & Mortgage
+ 3 more
Flood ZoneZone A (high risk)
APN88-20-16-402-015

Property Details

APN / Parcel Number

Primary APN88-20-16-402-015

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures5 Plumbing Fixtures
Stories1 Story
Building Area1,573 sqft Living Area
1st Floor Area897 sqft
Basement Area624 sqft
Unfinished Basement897 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1971
Effective Year BuiltEffective 1971
Architectural StyleColonial
Exterior MaterialWood Siding
Roof TypeGable
Lot Area20,473 sqft (0.47 acres)
Lot Dimensions193 ft deep x 106 ft wide
Garage Area441 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area44 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address442 CARTER DR
CityTROY
StateMI
Zip48098-4657
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1B
Legal DescriptionT2N, R11E, SEC 16 LAKEWOOD SUB LOT 27
Legal Range11E
Legal Township2N
Legal Section16
Legal SubdivisionLAKEWOOD SUB
Legal Lot Number27
JurisdictionOAKLAND MI
Township / Civil DivisionTROY
Census Block Group2
Census Block2007
Census Tract196900

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 Record2 Individual Names on Record
Mailing Address442 CARTER DR, TROY, MI 48098-4657
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 2, 2017Deed of Trust, Mortgage · VA Mortgage
UNITED WHOLESALE MORTGAGE
Apr 30, 2020Warranty Deed, Transfer · Conventional with PMI
UIF CORP
May 9, 2017Warranty Deed, Transfer
NOT AVAILABLE
Feb 13, 2017Grant Deed, Transfer
ATTORNEY ONLY
Jan 4, 2017Grant Deed, Transfer
JIGNA SHAH

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 30, 2020 · Amount on Record
Deed SaleApr 30, 2020 · Amount on Record
Prior SaleMay 9, 2017 · Amount on Record
Deed Document Number202085730
Deed Book / Page54149 / 551
Prior Transfer DateAug 31, 2009
Prior Transfer Doc0000157775
Record UpdatedSep 20, 2026

May 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOAKLAND MI
Property Address442 CARTER DR, TROY, MI 48098-4657
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000087941
DateMay 2, 2017
Book Page50630/00082
Instrument087941
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressTROY, MI 48083
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueMay 1, 2047

April 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOAKLAND MI
Recording DateApr 30, 2020
Property Address442 CARTER DR, TROY, MI 48098-4657
Document Number0000085730
Book / Page054149 / 000551
Instrument DateMar 20, 2020
Instrument85730
Transaction TypeTransfer
Record UpdatedMay 21, 2020
Title CompanyVISIONARY TITLE AGENCY LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,184.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address2750 UPPER RIDGE DR #5 ROCHESTER HILLS MI 483074478, 5, ROCHESTER HILLS, MI 48307-4478

Mortgage

Document Number63565
DateApr 30, 2020
Book Page054030/000585
Instrument63565
Lender
NameUIF CORP
AddressSOUTHFIELD, MI 48034
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueApr 29, 2050

May 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOAKLAND MI
Recording DateMay 9, 2017
Property Address442 CARTER DR, TROY, MI 48098-4657
Document Number0000091948
Book / Page050651 / 000125
Instrument DateApr 28, 2017
Instrument91948
Transaction TypeTransfer
Record UpdatedJun 23, 2017
Title CompanyNOT AVAILABLE

Transaction

AmountAmount Recorded
Tax$2,064.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address442 CARTER DR TROY MI 480984657, TROY, MI 48098-4657

February 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOAKLAND MI
Recording DateFeb 13, 2017
Property Address442 CARTER DR, TROY, MI 48098-4657
Document Number0000027489
Book / Page050379 / 000504
Instrument DateFeb 3, 2017
Instrument27489
Transaction TypeTransfer
Record UpdatedApr 19, 2017
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address550 W MERRILL ST #100 BIRMINGHAM MI 480091443, 100, BIRMINGHAM, MI 48009-1443

January 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOAKLAND MI
Recording DateJan 4, 2017
Property Address442 CARTER DR, TROY, MI 48098-4657
Document Number0000001870
Book / Page050246 / 000723
Instrument DateDec 6, 2016
Instrument1870
Transaction TypeTransfer
Record UpdatedJan 8, 2019
Title CompanyNOT AVAILABLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,548.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4088 PARKSTONE CT TROY MI 480984400, TROY, MI 48098-4400

Mortgage

Document Number1869
DateJan 4, 2017
Book Page050246/000721
Instrument1869
Lender
NameJIGNA SHAH
Address4088 PARKSTONE CT, TROY, MI 48098-4400
Agreement
AmountAmount Recorded

Tax Assessment & Valuation

Source: Oakland County assessment roll, as of January 21, 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$4,436.00 (-3.86%)
2023$266,060
2022$4,614.00$133,030

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 ZoneZone A
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationNot determined for this zone
Flood Insurance RequirementRequired
federally backed loans
Nearby Flood Policies1 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 RiskLow
lower than 95% of the US · lower than 89% of Michigan
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
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 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 248 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
T-Mobile
Fixed Wireless		100 / 20
AT&T
Fixed Wireless · DSL		100 / 20

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