5395 English Dr, Troy, MI 48085 Property Records

Oakland County property record for 5395 English Dr, Troy, MI 48085

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,850 sqft · built 1973
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$455,500 (Dec 2025)
Tax Bill	$3,287 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Apr 2025 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`88-20-12-403-004`

Property Details

APN / Parcel Number

Primary APN	`88-20-12-403-004`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,850 sqft Living Area
1st Floor Area	1,067 sqft
Basement Area	725 sqft
Unfinished Basement	1,067 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Colonial
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	130 ft deep x 76 ft wide
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	231 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5395 ENGLISH DR
City	TROY
State	MI
Zip	48085-4005
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	T2N, R11E, SEC 12 WINDMILL POINTE NORTH SUB LOT 25
Legal Range	11E
Legal Township	2N
Legal Section	12
Legal Subdivision	WINDMILL POINTE NORTH SUB
Legal Lot Number	25
Jurisdiction	OAKLAND MI
Township / Civil Division	TROY
Census Block Group	1
Census Block	1003
Census Tract	196000

Owner

5395 English Dr is owned and occupied by two individuals who bought it in December 2025.

Source: Oakland County records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10180 ELLIS RD, CLARKSTON, MI 48348-1112
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Apr 7, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Dec 30, 2025	Warranty Deed, Transfer · Conventional Mortgage THE LOAN STORE INC
Aug 28, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2025 · Amount on File
Deed Sale	Dec 30, 2025 · Amount on File
Prior Sale	Mar 18, 2003 · Amount on File
Deed Document Number	2025164410
Deed Book / Page	60833 / 793
Prior Transfer Date	Mar 26, 2001
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	5395 ENGLISH DR, TROY, MI 48085-4005
Transaction Type	Mortgage
Record Updated	Jan 12, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5395 ENGLISH DR, TROY, MI 48085-4005

Mortgage

Document Number	0000277063
Date	Dec 18, 2021
Book Page	57194/29
Instrument	277063

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	5395 ENGLISH DR, TROY, MI 48085-4005
Transaction Type	Mortgage
Record Updated	Jan 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5395 ENGLISH DR, TROY, MI 48085-4005

Mortgage

Document Number	0000036601
Date	Apr 7, 2025
Book Page	60105/1
Instrument	36601

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2055

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Dec 30, 2025
Property Address	5395 ENGLISH DR, TROY, MI 48085-4005
Document Number	20250164410
Book / Page	60833 / 793
Map Reference	LB 130 PG 37-39
Instrument Date	Dec 22, 2025
Instrument	20250164410
Transaction Type	Transfer
Record Updated	Jan 12, 2026
Title Company	ASSURED TITLE, ASSISTED BYETITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,416.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5395 ENGLISH DR, TROY, MI 48085-4005

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10180 ELLIS RD, CLARKSTON, MI 48348-1112

Mortgage

Document Number	0060833795
Date	Dec 30, 2025
Instrument	60833/795

Lender

Name	THE LOAN STORE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	5395 ENGLISH DR, TROY, MI 48085-4005
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5395 ENGLISH DR, TROY, MI 48085-4005

Mortgage

Document Number	0000173546
Date	Aug 28, 2020
Book Page	54737/253
Instrument	173546

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	314 Months
Due	Oct 1, 2046

Tax Assessment & Valuation

The 2025 property tax bill for 5395 English Dr was $3,287 with a homeowner's exemption.

Source: Oakland County assessment roll, as of January 21, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,287.00
2023			$281,520
2022	$3,419.00	$140,760

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.

Flood

FEMA maps place 5395 English Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2012.

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 (2012)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2012 · other causes

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

The area around 5395 English Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

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, 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 400 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 DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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