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4654 Chapel Dr, Troy, MI 48085 Property Records

Oakland County property record for 4654 Chapel Dr, Troy, MI 48085

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,073 sqft · built 1972
Lot Size0.36 acres (15,682 sqft)
Owner2 Individual Names on Record
Last Sale$395,000 (Aug 2024)
Tax Bill$5,312 (2025)
Deeds & MortgagesApr 2020 Mortgage
Jan 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN88-20-14-253-012

Property Details

APN / Parcel Number

Primary APN88-20-14-253-012

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures8 Plumbing Fixtures
Stories1 Story
Building Area1,073 sqft Living Area
1st Floor Area1,073 sqft
Basement Area1,073 sqft
Finished Basement1,073 sqft
Game RoomGame Room

Exterior

Year BuiltBuilt 1972
Effective Year BuiltEffective 1972
Architectural StyleRanch
Exterior MaterialBrick
Construction TypeBrick
Roof TypeGable
Lot Area15,682 sqft (0.36 acres)
Lot Dimensions232 ft deep x 67 ft wide
Garage Area528 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area20 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address4654 CHAPEL DR
CityTROY
StateMI
Zip48085-5028
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1C
Legal DescriptionT2N, R11E, SEC 14 LONG LAKE VILLAGE SUB. LOT 49
Legal Range11E
Legal Township2N
Legal Section14
Legal SubdivisionLONG LAKE VILLAGE SUB
Legal Lot Number49
JurisdictionOAKLAND MI
Township / Civil DivisionTROY
Census Block Group1
Census Block1000
Census Tract197100

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 Address4654 CHAPEL DR, TROY, MI 48085-5028
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Apr 7, 2020Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LNS
Jan 3, 2017Warranty Deed, Transfer · Conventional Mortgage
TOWNE MORTGAGE CO

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 28, 2024 · Amount on Record
Deed SaleAug 28, 2024 · Amount on Record
Prior SaleJan 3, 2017 · Amount on Record
Deed Document Number202496423
Deed Book / Page59600 / 60
Prior Transfer DateApr 15, 2010
Prior Transfer Doc0000080319
Record UpdatedOct 29, 2026

April 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOAKLAND MI
Property Address4654 CHAPEL DR, TROY, MI 48085-5028
Document Number0000086793
Instrument DateApr 7, 2020
Transaction TypeMortgage
Record UpdatedMay 25, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address4654 CHAPEL DR TROY MI 480855028, TROY, MI 48085-5028

Mortgage

Document Number0000086793
DateMay 4, 2020
Book Page054157/000414
Instrument86793
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMay 3, 2050

January 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOAKLAND MI
Recording DateJan 3, 2017
Property Address4654 CHAPEL DR, TROY, MI 48085-5028
Document Number0000000659
Book / Page50240 / 00123
Map ReferenceLB128 PG6-10
Instrument DateDec 27, 2016
Instrument000659
Transaction TypeTransfer
Record UpdatedAug 12, 2022
Title CompanyLIBERTY TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,909.20
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4654 CHAPEL DR, 4654, TROY, MI 48085-5028

Transferred To (Grantee/Buyer)

NameVerified Name
Address2305 MIDDLESEX AVE, ROYAL OAK, MI 48067-3907

Mortgage

Document Number0000000660
DateJan 3, 2017
Instrument000660
Lender
NameTOWNE MORTGAGE CO
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 1, 2047
Interest
Type Change DateJan 1, 2027

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$5,312.00 (+35.17%)
2023$262,160
2022$3,930.00$131,080

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 97% of the US · lower than 93% of Michigan
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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 334 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · Fixed Wireless, DSL in parts of the area		5,000 / 5,000
Xfinity
Cable		2,000 / 250
WOW Internet, Cable & Phone
Cable		1,200 / 50
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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