545 E Lovell Dr, Troy, MI 48085 Property Records

Oakland County property record for 545 E Lovell Dr, Troy, MI 48085

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,704 sqft · built 1978
Lot Size	0.51 acres (22,216 sqft)
Owner	2 Individual Names on File
Last Sale	$151,000 (Jun 1997)
Tax Bill	$3,369 (2025)
Deeds & Mortgages	Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`88-20-03-201-028`

Property Details

APN / Parcel Number

Primary APN	`88-20-03-201-028`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	3 Stories
Building Area	1,704 sqft Living Area
1st Floor Area	1,056 sqft
Basement Area	1,056 sqft
Unfinished Basement	480 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Tri-Level
Exterior Material	Wood Siding
Roof Type	Gable
Lot Area	22,216 sqft (0.51 acres)
Lot Dimensions	184 ft deep x 120 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Pool Area	264 sqft
Deck Area	266 sqft
Patio Area	266 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	545 E LOVELL DR
City	TROY
State	MI
Zip	48085-1601
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T2N, R11E, SEC 3 BASSETT & SMITH FLOWING SPRING ACRES W 184 FT OF S 1/2 OF LOT57
Legal Range	11E
Legal Township	2N
Legal Section	3
Legal Subdivision	BASSETT SMITHS FLOWING SPRING ACRES
Legal Lot Number	57
Jurisdiction	OAKLAND MI
Township / Civil Division	TROY
Census Block Group	1
Census Block	1003
Census Tract	196200

Owner

Source: Oakland County records · APN 88-20-03-201-028

Assessment roll updated January 21, 2026 · Last verified June 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 File
Mailing Address	545 E LOVELL DR, TROY, MI 48085-1601
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 17, 1997 · Amount on Record
Deed Sale	Jun 17, 1997 · Amount on Record
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	545 E LOVELL DR, TROY, MI 48085-1601
Transaction Type	Mortgage
Record Updated	May 19, 2021
Title Company	PROGRESSIVE LAND TITLE AGENCY LI, PROGRESSIVE LAND TTL AGCY LT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 E LOVELL DR, TROY, MI 48085-1601

Mortgage

Document Number	0000103922
Date	Apr 16, 2021
Book Page	56084/660
Instrument	103922

Lender

Name	FIRST FEDERAL BANK
Type	Bank
Address	LAKE CITY, FL 32055

Agreement

Amount	Amount Recorded
Term	361 Months
Due	May 01, 2051

Tax Assessment & Valuation

Source: Oakland County records · Assessment roll updated January 21, 2026 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
Municipality	Troy City
Unified School District	Avondale School District (KG - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,369.00 (-6.29%)
2023			$268,960
2022	$3,595.00	$134,480

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Oakland County (26125C), updated December 8, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261251962001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low lower than 97% of the US · lower than 93% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 216 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20
AT&T DSL	100 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	TROY serves 85,854 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.