Oakland County property record for 539 Choice Ct, Troy, MI 48085
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,083 sqft · built 1996 |
| Lot Size | 0.59 acres (25,700 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $703,700 (Dec 2024) |
| Tax Bill | $10,080 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Dec 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 88-20-15-202-022 |
| Primary APN | 88-20-15-202-022 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,083 sqft Living Area |
| 1st Floor Area | 1,653 sqft |
| Basement Area | 1,653 sqft |
| Unfinished Basement | 1,653 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Colonial |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Hip |
| Lot Area | 25,700 sqft (0.59 acres) |
| Lot Dimensions | 170 ft deep x 150 ft wide |
| Garage Area | 641 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 47 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 539 CHOICE CT |
|---|---|
| City | TROY |
| State | MI |
| Zip | 48085-4767 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1C |
| Legal Description | T2N, R11E, SEC 15 COVINGTON RIDGE SUB NO 2 LOT 35 8-29-96 FR 201-002 & 003 |
| Legal Range | 11E |
| Legal Township | 2N |
| Legal Section | 15 |
| Legal Subdivision | COVINGTON RIDGE SUB #2 |
| Legal Lot Number | 8,35 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | TROY |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 197000 |
Source: Oakland County records, as of May 27, 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 Record |
|---|---|
| Mailing Address | 4290 FROSTWOOD CT, TROY, MI 48098-4240 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Apr 27, 2026 | Deed of Trust, Mortgage · Conventional Mortgage BEST FINANCIAL CORPORATION |
| Dec 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ONE AMERICAN BANK |
| Mar 3, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ONE AMERICAN BANK |
| Jul 3, 2019 | Warranty Deed, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 4, 2024 · Amount on Record |
| Deed Sale | Dec 4, 2024 · Amount on Record |
| Prior Sale | Jul 3, 2019 · Amount on Record |
| Deed Document Number | 2024137422 |
| Deed Book / Page | 59850 / 204 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Apr 27, 2026 |
| Property Address | 539 CHOICE CT, TROY, MI 48085-4767 |
| Document Number | 0000055952 |
| Book / Page | 61144 / 50 |
| Instrument Date | Apr 17, 2026 |
| Instrument | 202655952 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 539 CHOICE CT, TROY, MI 48085-4767 |
| Document Number | 0000055952, |
|---|---|
| Date | Apr 27, 2026 |
| Book Page | 61144/50 |
| Instrument | 202655952 |
| Name | BEST FINANCIAL CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.54% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 539 CHOICE CT, TROY, MI 48085-4767 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 539 CHOICE CT, TROY, MI 48085-4767 |
| Document Number | 0000273554 |
|---|---|
| Date | Dec 23, 2020 |
| Book Page | 55389/65 |
| Instrument | 273554 |
| Name | ONE AMERICAN BANK |
|---|---|
| Type | Bank |
| Address | SAN FRANCISCO, CA 94108 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 539 CHOICE CT, TROY, MI 48085-4767 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000043180 |
|---|---|
| Date | Mar 3, 2020 |
| Book Page | 53900/453 |
| Instrument | 43180 |
| Name | ONE AMERICAN BANK |
|---|---|
| Type | Bank |
| Address | SAN FRANCISCO, CA 94108 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Jul 3, 2019 |
| Property Address | 539 CHOICE CT, TROY, MI 48085-4767 |
| Document Number | 0000106623 |
| Book / Page | 52994 / 00388 |
| Map Reference | LB 248 PG 27-29 |
| Instrument Date | May 31, 2019 |
| Instrument | 106623 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,540.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 539 CHOICE CT, 539, TROY, MI 48085-4767 |
| Name | Verified Name |
|---|---|
| Address | 539 CHOICE CT, TROY, MI 48085-4767 |
| Document Number | 5299400390 |
|---|---|
| Date | Jul 3, 2019 |
| Instrument | 52994/00390 |
| Name | PROVIDENT FUNDING ASSOCIATES LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jun 1, 2049 |
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 | $10,080.00 (+16.18%) | ||
| 2024 | $8,676.00 (-6.1%) | ||
| 2023 | $532,760 | ||
| 2022 | $9,240.00 | $266,380 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 87% 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 255 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 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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