Oakland County property record for 4874 Riverchase Dr, Troy, MI 48098
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,783 sqft · built 1988 |
| Lot Size | 0.42 acres (18,295 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $570,000 (Jul 2020) |
| Tax Bill | $9,227 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Mar 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 88-20-18-229-005 |
| Primary APN | 88-20-18-229-005 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,783 sqft Living Area |
| 1st Floor Area | 2,090 sqft |
| Basement Area | 2,090 sqft |
| Unfinished Basement | 2,090 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Colonial |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Gable |
| Lot Area | 18,295 sqft (0.42 acres) |
| Lot Dimensions | 202 ft deep x 90 ft wide |
| Garage Area | 678 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 64 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 4874 RIVERCHASE DR |
|---|---|
| City | TROY |
| State | MI |
| Zip | 48098-4185 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1B |
| Legal Description | T2N, R11E, SEC 18 OAK RIVER SUB NO 4 LOT 227 8-11-86 FR 228-015 & 016 |
| Legal Range | 11E |
| Legal Township | 2N |
| Legal Section | 18 |
| Legal Subdivision | OAK RIVER SUB #4 |
| Legal Lot Number | 8,227 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | TROY |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 196600 |
4874 Riverchase Dr is owned and occupied by two individuals who bought it in July 2020.
Source: Oakland County records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4874 RIVERCHASE DR, TROY, MI 48098-4185 |
| 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 |
|---|---|
| Feb 26, 2022 | Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Mar 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA |
| Jul 2, 2020 | Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 2, 2020 · Amount on File |
| Deed Sale | Jul 2, 2020 · Amount on File |
| Deed Document Number | 2020128764 |
| Deed Book / Page | 54438 / 331 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 4874 RIVERCHASE DR, TROY, MI 48098-4185 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4874 RIVERCHASE DR, TROY, MI 48098-4185 |
| Document Number | 0000332526 |
|---|---|
| Date | Feb 26, 2022 |
| Book Page | 57517/790 |
| Instrument | 332526 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43219 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Mar 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 4874 RIVERCHASE DR, TROY, MI 48098-4185 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000042271 |
|---|---|
| Date | Mar 2, 2020 |
| Book Page | 53893/647 |
| Instrument | 42271 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Jul 2, 2020 |
| Property Address | 4874 RIVERCHASE DR, TROY, MI 48098-4185 |
| Document Number | 0000128764 |
| Book / Page | 54438 / 331 |
| Map Reference | LB 189 PG 3 |
| Instrument Date | Jun 26, 2020 |
| Instrument | 128764 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,902.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4874 RIVERCHASE DR, 4874, TROY, MI 48098-4185 |
| Name | Verified Name |
|---|---|
| Address | 4874 RIVERCHASE DR, TROY, MI 48098-4185 |
| Document Number | 0054438333 |
|---|---|
| Date | Jul 2, 2020 |
| Instrument | 54438/333 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.07% |
| Type Change Date | Jul 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.07% |
| Index | 1-Year LIBOR |
| Max Rate | 8.07% |
The 2025 property tax bill for 4874 Riverchase Dr was $9,227 with a homeowner's exemption.
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 | $9,227.00 | ||
| 2023 | $553,320 | ||
| 2022 | $9,596.00 | $276,660 |
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.
FEMA maps place 4874 Riverchase Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 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 4874 Riverchase 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 99.1% of the US · lower than 98.4% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 243 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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