5411 English Dr, Troy, MI 48085 Property Records

Oakland County property record for 5411 English Dr, Troy, MI 48085

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,774 sqft · built 1973
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$355,000 (Jan 2023)
Tax Bill	$5,732 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Jan 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`88-20-12-403-003`

Property Details

APN / Parcel Number

Primary APN	`88-20-12-403-003`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,774 sqft Living Area
1st Floor Area	991 sqft
Basement Area	991 sqft
Finished Basement	991 sqft
Game Room	Game Room
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	399 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	203 sqft
Deck Area	100 sqft
Patio Area	566 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5411 ENGLISH DR
City	TROY
State	MI
Zip	48085-4062
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	T2N, R11E, SEC 12 WINDMILL POINTE NORTH SUB LOT 26
Legal Range	11E
Legal Township	2N
Legal Section	12
Legal Subdivision	WINDMILL POINTE NORTH SUB
Legal Lot Number	26
Jurisdiction	OAKLAND MI
Township / Civil Division	TROY
Census Block Group	1
Census Block	1003
Census Tract	196000

Owner

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

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

Owner of Record	2 Individual Names on File
Mailing Address	5411 ENGLISH DR, TROY, MI 48085-4062
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 23, 2023	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 17, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CROSSCOUNTRY MORTGAGE LLC
May 3, 2018	Deed of Trust, Mortgage · Conventional Mortgage DITECH FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 2023 · Amount on File
Deed Sale	Jan 23, 2023 · Amount on File
Deed Document Number	20237910
Deed Book / Page	58386 / 208
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Recording Date	Apr 22, 2026
Property Address	5411 ENGLISH DR, TROY, MI 48085-4062
Document Number	20260053912
Book / Page	61131 / 671
Instrument Date	Mar 10, 2026
Instrument	202653912
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5411 ENGLISH DR, TROY, MI 48085-4062

Mortgage

Document Number	0000053912,
Date	Apr 22, 2026
Book Page	61131/671
Instrument	202653912

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.44%
Initial Type	Fixed Rate
Max Rate	-1%

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jan 23, 2023
Property Address	5411 ENGLISH DR, TROY, MI 48085-4062
Document Number	0000007910
Book / Page	58386 / 208
Map Reference	LB 130 PG 37-39
Instrument Date	Jan 18, 2023
Instrument	7910
Transaction Type	Transfer
Record Updated	Feb 3, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,662.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5411 ENGLISH DR, TROY, MI 48085-4062

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5411 ENGLISH DR, TROY, MI 48085-4062

Mortgage

Document Number	0000007816
Date	Jan 23, 2023
Instrument	7816

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	5411 ENGLISH DR, TROY, MI 48085-4062
Transaction Type	Mortgage
Record Updated	Nov 30, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5411 ENGLISH DR, TROY, MI 48085-4062

Mortgage

Document Number	0000472581
Date	Nov 17, 2022
Book Page	58266/5
Instrument	472581

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	5 Months
Due	Apr 1, 2023

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	5411 ENGLISH DR, TROY, MI 48085-4062
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000075314
Date	May 3, 2018
Book Page	51781/00633
Instrument	75314

Lender

Name	DITECH FINANCIAL LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2033

Tax Assessment & Valuation

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	$5,732.00 (+2.16%)
2024	$5,611.00 (+62.73%)
2023			$285,220
2022	$3,448.00	$142,610

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

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

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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