Oakland County property record for 5404 Windy Ct, Troy, MI 48098
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,958 sqft · built 1977 |
| Lot Size | 0.53 acres (23,087 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $386,200 (Mar 2004) |
| Tax Bill | $5,301 (2025) |
| Deeds & Mortgages | Jul 2019 Mortgage Jul 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 88-20-07-402-006 |
| Primary APN | 88-20-07-402-006 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,958 sqft Living Area |
| 1st Floor Area | 1,682 sqft |
| Basement Area | 1,232 sqft |
| Unfinished Basement | 1,682 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Colonial |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Raised |
| Roof Type | Gable |
| Lot Area | 23,087 sqft (0.53 acres) |
| Lot Dimensions | 168 ft deep x 137 ft wide |
| Garage Area | 588 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 176 sqft |
| Deck Area | 400 sqft |
| Patio Area | 400 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 5404 WINDY CT |
|---|---|
| City | TROY |
| State | MI |
| Zip | 48098-5319 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1A |
| Legal Description | T2N, R11E, SEC 7 WINDRIDGE SUB LOT 54 |
| Legal Range | 11E |
| Legal Township | 2N |
| Legal Section | 7 |
| Legal Subdivision | WINDRIDGE SUB |
| Legal Lot Number | 54 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | TROY |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 196500 |
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 | 5404 WINDY CT, TROY, MI 48098-5319 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 31, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Jul 23, 2021 | Deed of Trust, Mortgage QUICKEN LOANS LLC |
| Oct 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Mar 19, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 25, 2004 · Amount on Record |
| Deed Sale | Mar 25, 2004 · Amount on Record |
| Prior Sale | Mar 13, 2000 · Amount on Record |
| Deed Document Number | 2004151627 |
| Deed Book / Page | 32594 / 89 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 5404 WINDY CT, TROY, MI 48098-5319 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000122571 |
|---|---|
| Date | Jul 31, 2019 |
| Book Page | 53086/00777 |
| Instrument | 122571 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 145 Months |
| Due | Aug 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 5404 WINDY CT, TROY, MI 48098-5319 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|---|
| Address | 5404 WINDY CT, TROY, MI 48098-5319 |
| Document Number | 0000183500 |
|---|---|
| Date | Jul 23, 2021 |
| Book Page | 56594/788 |
| Instrument | 183500 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Amount | Amount Recorded |
|---|---|
| Term | 120 Months |
| Due | Jul 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 5404 WINDY CT, TROY, MI 48098-5319 |
| Document Number | 0000190260 |
| Instrument Date | Oct 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2021 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5404 WINDY CT TROY MI 480985319, TROY, MI 48098-5319 |
| Document Number | 0000190260 |
|---|---|
| Date | Nov 12, 2020 |
| Book Page | 055165/000550 |
| Instrument | 190260 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 144 Months |
| Due | Nov 11, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 5404 WINDY CT, TROY, MI 48098-5319 |
| Document Number | 0000072554 |
| Instrument Date | Mar 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5404 WINDY CT TROY MI 480985319, TROY, MI 48098-5319 |
| Document Number | 0000072554 |
|---|---|
| Date | Apr 10, 2020 |
| Book Page | 054062/000091 |
| Instrument | 72554 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 144 Months |
| Due | Apr 9, 2032 |
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 | $5,301.00 (-3.85%) | ||
| 2023 | $464,700 | ||
| 2022 | $5,513.00 | $232,350 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 272 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 DSL | 100 / 20 |
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