511 Choice Ct, Troy, MI 48085 Property Records

Oakland County property record for 511 Choice Ct, Troy, MI 48085 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,737 sqft · built 1997
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on File
Last Sale	$659,900 (Sep 2023)
Tax Bill	$9,408 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Oct 2023 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`88-20-15-202-024`

Property Details

APN / Parcel Number

Primary APN	`88-20-15-202-024`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,737 sqft Living Area
1st Floor Area	1,593 sqft
Basement Area	1,593 sqft
Unfinished Basement	1,593 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Colonial
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Lot Area	17,860 sqft (0.41 acres)
Lot Dimensions	204 ft deep x 87 ft wide
Garage Area	470 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	21 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	511 CHOICE CT
City	TROY
State	MI
Zip	48085-4767
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T2N, R11E, SEC 15 COVINGTON RIDGE SUB NO 2 LOT 37 8-29-96 FR 201-002
Legal Range	11E
Legal Township	2N
Legal Section	15
Legal Subdivision	COVINGTON RIDGE SUB #2
Legal Lot Number	8,37
Jurisdiction	OAKLAND MI
Township / Civil Division	TROY
Census Block Group	4
Census Block	4000
Census Tract	197000

Owner

Source: Oakland County records · APN 88-20-15-202-024

Assessment roll updated January 21, 2026 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	511 CHOICE CT, TROY, MI 48085-4767
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 12, 2023	Intrafamily Transfer, Transfer
Sep 20, 2023	Warranty Deed, Transfer · Conventional Mortgage ROSS MORTGAGE CORP
May 16, 2023	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Aug 14, 2017	Warranty Deed, Transfer · Conventional Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 20, 2023 · Amount on Record
Deed Sale	Sep 20, 2023 · Amount on Record
Prior Sale	Aug 14, 2017 · Amount on Record
Deed Document Number	2023103303
Deed Book / Page	58889 / 735
Prior Transfer Date	Sep 08, 2023
Prior Transfer Doc	0000112511
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	511 CHOICE CT, TROY, MI 48085-4767
Transaction Type	Mortgage
Record Updated	Oct 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 CHOICE CT, TROY, MI 48085-4767

Mortgage

Document Number	0000131854
Date	Oct 16, 2025
Book Page	60630/483
Instrument	131854

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2055

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OAKLAND MI
Recording Date	Oct 12, 2023
Property Address	511 CHOICE CT, TROY, MI 48085-4767
Document Number	0000112511
Book / Page	58939 / 755
Map Reference	LB 248 PG 27&29
Instrument Date	Sep 18, 2023
Instrument	112511
Transaction Type	Transfer
Record Updated	Oct 25, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	511 CHOICE CT, TROY, MI 48085-4767

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	511 CHOICE CT, TROY, MI 48085-4767

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Sep 20, 2023
Property Address	511 CHOICE CT, TROY, MI 48085-4767
Document Number	0000103303
Book / Page	58889 / 735
Map Reference	LB 248 PG 27-29
Instrument Date	Sep 08, 2023
Instrument	103303
Transaction Type	Transfer
Record Updated	Oct 03, 2023
Title Company	LIBERTY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,950.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	511 CHOICE CT, TROY, MI 48085-4767

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	352 CLIFFHOLLOW CT, SIMI VALLEY, CA 93065-7152

Mortgage

Document Number	0000099835
Date	Sep 12, 2023
Book Page	58870/660
Instrument	99835

Lender

Name	ROSS MORTGAGE CORP
Type	Mortgage Company
Address	TROY, MI 48084

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2053

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	511 CHOICE CT, TROY, MI 48085-4767
Transaction Type	Mortgage
Record Updated	May 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 CHOICE CT, TROY, MI 48085-4767

Mortgage

Document Number	0000053547
Date	May 16, 2023
Book Page	58606/338
Instrument	53547

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2053

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Aug 14, 2017
Property Address	511 CHOICE CT, TROY, MI 48085-4767
Document Number	0000152782
Book / Page	050965 / 000877
Instrument Date	Aug 10, 2017
Instrument	152782
Transaction Type	Transfer
Record Updated	Sep 01, 2017
Title Company	ABSTRACT TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,612.00
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	24525 WISTARIA DR FARMINGTON HILLS MI 483362170, FARMINGTON HILLS, MI 48336-2170

Mortgage

Document Number	152783
Date	Aug 14, 2017
Book Page	050965/000878
Instrument	152783

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 13, 2047

Tax Assessment & Valuation

Source: Oakland County records · Assessment roll updated January 21, 2026 · Last verified June 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,408.00 (+16.59%)
2023			$465,260
2022	$8,069.00	$232,630

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Oakland County (26125C), updated December 8, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 255 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
WOW Internet, Cable & Phone	Cable	1,200 / 50
AT&T	Fixed Wireless	100 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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