Oakland County property record for 45 Carter Dr, Troy, MI 48098
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,664 sqft · built 1968 |
| Lot Size | 0.47 acres (20,473 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $345,000 (Sep 2023) |
| Tax Bill | $5,092 (2025) |
| Deeds & Mortgages | Sep 2023 Sale & Mortgage Jun 2023 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 88-20-16-477-035 |
| Primary APN | 88-20-16-477-035 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,664 sqft Living Area |
| 1st Floor Area | 1,664 sqft |
| Basement Area | 1,664 sqft |
| Unfinished Basement | 1,664 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Lot Area | 20,473 sqft (0.47 acres) |
| Lot Dimensions | 201 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Porch | Porch |
| Porch Area | 231 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 45 CARTER DR |
|---|---|
| City | TROY |
| State | MI |
| Zip | 48098-4608 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1B |
| Legal Description | T2N, R11E, SEC 16 LAKEWOOD SUB W 88.41 FT OF LOT 44 & E 12.50 FT OF LOT 45 |
| Legal Subdivision | LAKEWOOD SUBDIVISION |
| Legal Lot Number | 44-45 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | TROY |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 196900 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 45 CARTER DR, TROY, MI 48098-4608 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 5, 2023 | Warranty Deed, Transfer · Conventional Mortgage GARDEN STATE HOME LOANS INC |
| Jun 8, 2023 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 5, 2023 · Amount on Record |
| Deed Sale | Sep 5, 2023 · Amount on Record |
| Deed Document Number | 202396676 |
| Deed Book / Page | 58851 / 871 |
| Prior Transfer Date | Mar 6, 2023 |
| Prior Transfer Doc | 0000062419 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Sep 5, 2023 |
| Property Address | 45 CARTER DR, TROY, MI 48098-4608 |
| Document Number | 0000096676 |
| Book / Page | 58851 / 871 |
| Map Reference | LB 28 PG 27 |
| Instrument Date | Aug 29, 2023 |
| Instrument | 96676 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2023 |
| Title Company | PREMIER TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,587.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 45 CARTER DR, TROY, MI 48098-4608 |
| Name | Verified Name |
|---|---|
| Address | 447 N ROCHESTER RD APT 120, 120, CLAWSON, MI 48017-1757 |
| Document Number | 0000100299 |
|---|---|
| Date | Sep 13, 2023 |
| Book Page | 58873/184 |
| Instrument | 100299 |
| Name | GARDEN STATE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | CHERRY HILL, NJ 08003 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Jun 8, 2023 |
| Property Address | 45 CARTER DR, TROY, MI 48098-4608 |
| Document Number | 0000062419 |
| Book / Page | 58657 / 102 |
| Instrument Date | Mar 6, 2023 |
| Instrument | 62419 |
| Transaction Type | Transfer |
| Record Updated | Jun 20, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 45 CARTON, TROY, MI 43098 |
| Name | Verified Name |
|---|---|
| Address | 45 CARTER DR, TROY, MI 48098-4608 |
Source: Oakland County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oakland County |
| Municipality | Troy City |
| Unified School District | Troy School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,092.00 (+57.4%) | ||
| 2023 | $263,620 | ||
| 2022 | $3,235.00 | $131,810 |
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.
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 |
|---|---|
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 292 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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