Oakland County property record for 456 Carter Dr, Troy, MI 48098
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,586 sqft · built 1971 |
| Lot Size | 0.47 acres (20,473 sqft) |
| Owner | Individual Name on File |
| Last Sale | $208,500 (Aug 2017) |
| Tax Bill | $3,691 (2025) |
| Deeds & Mortgages | Nov 2023 Transfer Aug 2022 Line of Credit + 2 more |
| Flood Zone | Zone A (high risk) |
| APN | 88-20-16-402-014 |
| Primary APN | 88-20-16-402-014 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,586 sqft Living Area |
| 1st Floor Area | 910 sqft |
| Basement Area | 624 sqft |
| Unfinished Basement | 910 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Architectural Style | Colonial |
| 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 | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 44 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 456 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 26 |
| Legal Range | 11E |
| Legal Township | 2N |
| Legal Section | 16 |
| Legal Subdivision | LAKEWOOD |
| Legal Lot Number | 26 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | TROY |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 196900 |
456 Carter Dr is owned and occupied by an individual who acquired it in November 2023.
Source: Oakland County records, as of May 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 456 CARTER DR, TROY, MI 48098-4657 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 29, 2023 | Intrafamily Transfer, Transfer |
| Aug 9, 2022 | Deed of Trust, Mortgage · Line of Credit COMMUNITY CHOICE CU |
| Jun 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CMG MORTGAGE INC |
| Aug 23, 2017 | Warranty Deed, Transfer · FHA Mortgage MB FINANCIAL BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 23, 2017 · Amount on File |
| Deed Sale | Aug 23, 2017 · Amount on File |
| Deed Document Number | 2017159334 |
| Deed Book / Page | 51001 / 801 |
| Last Transfer Date | Nov 7, 2023 |
| Transfer Doc | 0000129814 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Nov 29, 2023 |
| Property Address | 456 CARTER DR, TROY, MI 48098-4657 |
| Document Number | 0000129814 |
| Book / Page | 59033 / 742 |
| Map Reference | LB 28 PG 27 |
| Instrument Date | Nov 7, 2023 |
| Instrument | 129814 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 456 CARTER DR, TROY, MI 48098-4657 |
| Name | Verified Name |
|---|---|
| Address | 456 CARTER DR, TROY, MI 48098-4657 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 456 CARTER DR, TROY, MI 48098-4657 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2022 |
| Name | Verified Name |
|---|---|
| Address | 456 CARTER DR, TROY, MI 48098-4657 |
| Document Number | 0000427361 |
|---|---|
| Date | Aug 9, 2022 |
| Book Page | 58022/114 |
| Instrument | 427361 |
| Name | COMMUNITY CHOICE CU |
|---|---|
| Type | Credit Union |
| Address | FARMINGTON, MI 48334 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 324 Months |
| Due | Aug 8, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 456 CARTER DR, TROY, MI 48098-4657 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0000115782 |
|---|---|
| Date | Jun 17, 2020 |
| Book Page | 54359/466 |
| Instrument | 115782 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN RAMON, CA 94583 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Aug 23, 2017 |
| Property Address | 456 CARTER DR, TROY, MI 48098-4657 |
| Document Number | 0000159334 |
| Book / Page | 51001 / 00801 |
| Map Reference | LB 28 PG 27 |
| Instrument Date | Aug 17, 2017 |
| Instrument | 159334 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2021 |
| Title Company | ATA NATIONAL TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,793.10 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 456 CARTER DR, 456, TROY, MI 48098-4657 |
| Name | Verified Name |
|---|---|
| Address | 46856 SPRINGHILL DR, SHELBY TOWNSHIP, MI 48317-4068 |
| Document Number | 0000159335 |
|---|---|
| Date | Aug 23, 2017 |
| Instrument | 159335 |
| Name | MB FINANCIAL BANK NA |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2047 |
The 2025 property tax bill for 456 Carter Dr was $3,691 with a homeowner's exemption.
Source: Oakland County assessment roll, as of February 4, 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 | $3,691.00 | ||
| 2023 | $237,240 | ||
| 2022 | $3,839.00 | $118,620 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 456 Carter Dr in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
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 risk around 456 Carter Dr is low, with less than a 0.01% annual chance of 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.
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 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 |
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