5815 Cliffside Dr, Troy, MI 48085 Property Records

Oakland County property record for 5815 Cliffside Dr, Troy, MI 48085

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,306 sqft · built 1978
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$455,000 (Jul 2023)
Tax Bill	$5,979 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jul 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`88-20-12-128-032`

Property Details

APN / Parcel Number

Primary APN	`88-20-12-128-032`
Alternative APN	`2012128032`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,306 sqft Living Area
1st Floor Area	1,340 sqft
Basement Area	1,221 sqft
Unfinished Basement	1,340 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Colonial
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	136 ft deep x 70 ft wide
Garage Area	429 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	161 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5815 CLIFFSIDE DR
City	TROY
State	MI
Zip	48085-3848
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	T2N, R11E, SEC 12 STONERIDGE SUB NO 2 LOT 525
Legal Range	11E
Legal Township	2N
Legal Section	12
Legal Subdivision	STONERIDGE SUB #2
Legal Lot Number	525
Jurisdiction	OAKLAND MI
Township / Civil Division	TROY
Census Block Group	2
Census Block	2003
Census Tract	196000

Owner

Source: Oakland County records, as of June 12, 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	5815 CLIFFSIDE DR, TROY, MI 48085-3848
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage SISTAR MORTGAGE COMPANY
Jul 7, 2023	Warranty Deed, Transfer · Conventional Mortgage SI MORTGAGE COMPANY
Aug 24, 2022	Deed of Trust, Mortgage · Line of Credit GENISYS CU
Jul 1, 2019	Deed of Trust, Mortgage · ARM STAUNTON FNANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2023 · Amount on Record
Deed Sale	Jul 7, 2023 · Amount on Record
Deed Document Number	202373134
Deed Book / Page	58717 / 472
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Recording Date	Jun 5, 2026
Property Address	5815 CLIFFSIDE DR, TROY, MI 48085-3848
Document Number	0000080731
Book / Page	61267 / 659
Instrument Date	May 29, 2026
Instrument	202680731
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5815 CLIFFSIDE DR, TROY, MI 48085-3848

Mortgage

Document Number	0000080731,
Date	Jun 5, 2026
Book Page	61267/659
Instrument	202680731

Lender

Name	SISTAR MORTGAGE COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.64%
Initial Type	Fixed Rate
Max Rate	-1%

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jul 7, 2023
Property Address	5815 CLIFFSIDE DR, TROY, MI 48085-3848
Document Number	0000073134
Book / Page	58717 / 472
Map Reference	LB 139 PG 10-15
Instrument Date	Jun 22, 2023
Instrument	73134
Transaction Type	Transfer
Record Updated	Jul 25, 2023
Title Company	CAPITAL TITLE INS AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,412.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5815 CLIFFSIDE DR, TROY, MI 48085-3848

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2067 SOMERSET BLVD, TROY, MI 48084-4024

Mortgage

Document Number	0000071958
Date	Jul 5, 2023
Book Page	58710/506
Instrument	71958

Lender

Name	SI MORTGAGE COMPANY
Type	Mortgage Company
Address	STERLING HEIGHTS, MI 48310

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2053

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	5815 CLIFFSIDE DR, TROY, MI 48085-3848
Transaction Type	Mortgage
Record Updated	Sep 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5815 CLIFFSIDE DR, TROY, MI 48085-3848

Mortgage

Document Number	0000434645
Date	Aug 24, 2022
Book Page	58061/200
Instrument	434645

Lender

Name	GENISYS CU
Type	Credit Union
Address	AUBURN HILLS, MI 48326

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 8, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	5815 CLIFFSIDE DR, TROY, MI 48085-3848
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000104386
Date	Jul 1, 2019
Book Page	52980/00641
Instrument	104386

Lender

Name	STAUNTON FNANCIAL INC
Type	Non-Lending Institution
Address	SOUTHFIELD, MI 48075

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Jul 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.5%
Index	1-Year LIBOR
Max Rate	8.5%

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	$5,979.00 (+52.49%)
2023			$336,680 (-)
2022	$3,921.00 Homeowner's exemption	$168,340	$336,680

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 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2020 · 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	Low lower than 99.1% of the US · lower than 98.4% 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.

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 504 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 Fixed Wireless · DSL	100 / 20

May also be available: T-Mobile.

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