5116 Cardinal Dr, Troy, MI 48098 Property Records

Oakland County property record for 5116 Cardinal Dr, Troy, MI 48098

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,992 sqft · built 1986
Lot Size	0.62 acres (27,007 sqft)
Owner	Individual Name on File
Last Sale	$703,000 (Jun 2026)
Tax Bill	$5,302 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`88-20-07-478-015`

Property Details

APN / Parcel Number

Primary APN	`88-20-07-478-015`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	2,992 sqft Living Area
1st Floor Area	1,756 sqft
Basement Area	1,224 sqft
Unfinished Basement	1,756 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Colonial
Exterior Material	Brick
Construction Type	Brick
Foundation Type	No Foundation
Roof Type	Gable
Lot Area	27,007 sqft (0.62 acres)
Lot Dimensions	165 ft deep x 163 ft wide
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	38 sqft
Deck Area	460 sqft
Patio Area	460 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5116 CARDINAL DR
City	TROY
State	MI
Zip	48098-2488
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	T2N, R11E, SEC 7 MERIHILL FARMS SUB NO 1 LOT 12
Legal Range	11E
Legal Township	2N
Legal Section	7
Legal Subdivision	MERIHILL FARMS SUB #1
Legal Lot Number	12
Jurisdiction	OAKLAND MI
Township / Civil Division	TROY
Census Block Group	1
Census Block	1019
Census Tract	196500

Owner

Source: Oakland County records · APN 88-20-07-478-015

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	Individual Name on File
Mailing Address	2881 SUMMERS PL, TROY, MI 48084-2203
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 02, 2026 · Amount on Record
Deed Sale	Jun 02, 2026 · Amount on Record
Prior Sale	Apr 11, 2007 · Amount on Record
Deed Document Number	202678504
Deed Book / Page	61252 / 479
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jun 02, 2026
Property Address	5116 CARDINAL DR, TROY, MI 48098-2488
Document Number	20260078504
Book / Page	61252 / 479
Instrument Date	May 28, 2026
Instrument	202678504
Transaction Type	Transfer
Record Updated	Jun 10, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$532,522.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2881 SUMMERS PL, TROY, MI 48084-2203

Mortgage

Document Number	0000078951,
Date	Jun 02, 2026
Book Page	61255/488
Instrument	202678951

Lender

Name	FIRST INDEPENDENCE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

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	$5,302.00 (+2.39%)
2024	$5,178.00 (-6.11%)
2023			$472,600
2022	$5,515.00	$236,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Oakland County (26125C), as of December 8, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261251965001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1985)
Most Recent Claim	Jan 1985 · river or lake flooding

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Cable	1,200 / 50
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

Based on FCC filings for 304 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MI0006690, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	TROY serves 85,854 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.