4840 Stoddard Dr, Troy, MI 48085 Property Records

Oakland County property record for 4840 Stoddard Dr, Troy, MI 48085

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,711 sqft · built 1977
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$261,000 (Dec 2018)
Tax Bill	$4,402 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Dec 2018 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`88-20-13-128-021`

Property Details

APN / Parcel Number

Primary APN	`88-20-13-128-021`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,711 sqft Living Area
1st Floor Area	932 sqft
Basement Area	932 sqft
Finished Basement	932 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Colonial
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 79 ft wide
Garage Area	409 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	60 sqft
Deck Area	403 sqft
Patio Area	403 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	4840 STODDARD DR
City	TROY
State	MI
Zip	48085-3506
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	T2N, R11E, SEC 13 WINDMILL POINTE SUB NO 2 LOT 388
Legal Range	11E
Legal Township	2N
Legal Section	13
Legal Subdivision	WINDMILL POINTE SUB #2
Legal Lot Number	388
Jurisdiction	OAKLAND MI
Township / Civil Division	TROY
Census Block Group	1
Census Block	1009
Census Tract	197900

Owner

4840 Stoddard Dr is owned and occupied by two individuals who bought it in December 2018.

Source: Oakland County records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4840 STODDARD DR, TROY, MI 48085-3506
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS
Dec 17, 2018	Warranty Deed, Transfer · Conventional Mortgage CALIBER HM LOANS
Aug 19, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Apr 25, 2017	Warranty Deed, Transfer GTL INVS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2018 · Amount on File
Deed Sale	Dec 17, 2018 · Amount on File
Deed Document Number	2018201977
Deed Book / Page	52441 / 459
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	4840 STODDARD DR, TROY, MI 48085-3506
Document Number	0000062816
Instrument Date	Mar 25, 2020
Transaction Type	Mortgage
Record Updated	May 14, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4840 STODDARD DR TROY MI 480853506, TROY, MI 48085-3506

Mortgage

Document Number	0000062816
Date	Apr 2, 2020
Book Page	054023/000857
Instrument	62816

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Dec 17, 2018
Property Address	4840 STODDARD DR, TROY, MI 48085-3506
Document Number	0000201977
Book / Page	052441 / 000459
Instrument Date	Nov 30, 2018
Instrument	201977
Transaction Type	Transfer
Record Updated	Jan 11, 2019
Title Company	OTHER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,244.60
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4840 STODDARD DR TROY MI 480853506, TROY, MI 48085-3506

Mortgage

Document Number	201978
Date	Dec 17, 2018
Book Page	052441/000461
Instrument	201978

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 16, 2048

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	4840 STODDARD DR, TROY, MI 48085-3506
Document Number	0000162794
Book / Page	051022 / 000753
Instrument Date	Aug 19, 2017
Transaction Type	Mortgage
Record Updated	Sep 14, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4840 STODDARD DR TROY MI 480853506, TROY, MI 48085-3506

Mortgage

Document Number	0000162794
Date	Aug 29, 2017
Book Page	051022/000753
Instrument	162794

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 28, 2032

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Apr 25, 2017
Property Address	4840 STODDARD DR, TROY, MI 48085-3506
Document Number	0000083832
Book / Page	050607 / 000053
Instrument Date	Apr 21, 2017
Instrument	83832
Transaction Type	Transfer
Record Updated	Jun 23, 2017

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,064.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4731 BRAMFORD DR TROY MI 480853518, TROY, MI 48085-3518

Mortgage

Document Number	83833
Date	Apr 25, 2017
Book Page	050607/000054
Instrument	83833

Lender

Name	GTL INVS
Address	SOUTHFIELD, MI 48075

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 24, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.75%

Tax Assessment & Valuation

The 2025 property tax bill for 4840 Stoddard Dr was $4,402 with a homeowner's exemption.

Source: Oakland County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
Municipality	Troy City
Unified School District	Troy School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,402.00
2023			$294,920
2022	$4,578.00	$147,460

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4840 Stoddard Dr in Zone X, an area of minimal flood risk.

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

The area around 4840 Stoddard Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 416 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
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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