Oakland County property record for 5190 Cardinal Dr, Troy, MI 48098
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,640 sqft · built 1985 |
| Lot Size | 0.44 acres (19,166 sqft) |
| Owner | Individual Name on File |
| Last Sale | $600,000 (Nov 2023) |
| Tax Bill | $8,256 (2025) |
| Deeds & Mortgages | May 2026 Transfer Nov 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 88-20-07-478-013 |
| Primary APN | 88-20-07-478-013 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,640 sqft Living Area |
| 1st Floor Area | 1,420 sqft |
| Basement Area | 1,323 sqft |
| Unfinished Basement | 1,420 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Colonial |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Lot Area | 19,166 sqft (0.44 acres) |
| Lot Dimensions | 150 ft deep x 127 ft wide |
| Garage Area | 567 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 110 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 5190 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 14 |
| Legal Range | 11E |
| Legal Township | 2N |
| Legal Section | 7 |
| Legal Subdivision | MERIHILL FARMS SUB #1 |
| Legal Lot Number | 14 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | TROY |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 196500 |
5190 Cardinal Dr is owned and occupied by an individual who bought it in November 2023.
Source: Oakland County records, as of May 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5190 CARDINAL DR, TROY, MI 48098-2488 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
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 |
|---|---|
| May 4, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Nov 20, 2023 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Mar 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Jul 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 20, 2023 · Amount on File |
| Deed Sale | Nov 20, 2023 · Amount on File |
| Prior Sale | Jun 16, 2016 · Amount on File |
| Deed Document Number | 2023126587 |
| Deed Book / Page | 59016 / 597 |
| Prior Transfer Date | Jun 19, 2005 |
| Prior Transfer Doc | 0000187389 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | May 4, 2026 |
| Property Address | 5190 CARDINAL DR, TROY, MI 48098-2488 |
| Document Number | 20260060028 |
| Book / Page | 61163 / 363 |
| Instrument Date | Apr 28, 2026 |
| Instrument | 202660028 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 5190 CARDINAL DR, TROY, MI 48098-2488 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Nov 20, 2023 |
| Property Address | 5190 CARDINAL DR, TROY, MI 48098-2488 |
| Document Number | 0000126587 |
| Book / Page | 59016 / 597 |
| Map Reference | LB 168 PG 16 |
| Instrument Date | Nov 16, 2023 |
| Instrument | 126587 |
| Transaction Type | Transfer |
| Record Updated | Dec 6, 2023 |
| Title Company | TWENTY TWO TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,500.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5190 CARDINAL DR, TROY, MI 48098-2488 |
| Name | Verified Name |
|---|---|
| Address | 5190 CARDINAL DR, TROY, MI 48098-2488 |
| Document Number | 0000129753 |
|---|---|
| Date | Nov 29, 2023 |
| Book Page | 59033/526 |
| Instrument | 129753 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 5190 CARDINAL DR, TROY, MI 48098-2488 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2021 |
| Name | Verified Name |
|---|---|
| Address | 5190 CARDINAL DR, TROY, MI 48098-2488 |
| Document Number | 0000065130 |
|---|---|
| Date | Mar 12, 2021 |
| Book Page | 55870/884 |
| Instrument | 65130 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 5190 CARDINAL DR, TROY, MI 48098-2488 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000130859 |
|---|---|
| Date | Jul 7, 2020 |
| Book Page | 54453/222 |
| Instrument | 130859 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Aug 1, 2040 |
The 2025 property tax bill for 5190 Cardinal Dr was $8,256 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 | $8,256.00 | ||
| 2023 | $470,180 | ||
| 2022 | $7,130.00 | $235,090 |
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 5190 Cardinal Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1985.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (1985) |
| Most Recent Claim | Jan 1985 · river or lake flooding |
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 5190 Cardinal 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 304 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures