Oakland County property record for 6040 Hearthside Dr, Troy, MI 48098
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,169 sqft · built 1992 |
| Lot Size | 0.38 acres (16,553 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,965 (2025) |
| Deeds & Mortgages | Apr 2022 Transfer Feb 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 88-20-05-353-025 |
| Primary APN | 88-20-05-353-025 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,169 sqft Living Area |
| 1st Floor Area | 1,773 sqft |
| Basement Area | 1,773 sqft |
| Unfinished Basement | 1,773 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Colonial |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Hip |
| Roof Material | Tile |
| Lot Area | 16,553 sqft (0.38 acres) |
| Lot Dimensions | 174 ft deep x 95 ft wide |
| Garage Area | 700 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 65 sqft |
| Deck Area | 320 sqft |
| Patio Area | 320 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 6040 HEARTHSIDE DR |
|---|---|
| City | TROY |
| State | MI |
| Zip | 48098-5363 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1B |
| Legal Description | T2N, R11E, SEC 5 CRESCENT RIDGE WEST SUB LOT 2 7-14-89 FR 300-004 |
| Legal Range | 11E |
| Legal Township | 2N |
| Legal Section | 5 |
| Legal Subdivision | CRESCENT RIDGE WEST SUB |
| Legal Lot Number | 2,7 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | TROY |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 196400 |
6040 Hearthside Dr is owned and occupied by two individuals who acquired it in February 2022.
Source: Oakland County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 6040 HEARTHSIDE DR, TROY, MI 48098-5363 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 12, 2022 | Intrafamily Transfer, Transfer |
| Feb 17, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Nov 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CREDIT UNION ONE |
| Nov 20, 2017 | Intrafamily Transfer, Transfer · ARM ASSOCIATED BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Feb 17, 2022 |
| Transfer Doc | 0000365152 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Apr 12, 2022 |
| Property Address | 6040 HEARTHSIDE DR, TROY, MI 48098-5363 |
| Document Number | 0000365152 |
| Book / Page | 57677 / 1 |
| Map Reference | LB 208 PG 8 |
| Instrument Date | Feb 17, 2022 |
| Instrument | 365152 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6040 HEARTHSIDE DR, 6040, TROY, MI 48098-5363 |
| Name | Verified Name |
|---|---|
| Address | 6040 HEATHSIDE DR, TROY, MI 48098-5363 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 6040 HEARTHSIDE DR, TROY, MI 48098-5363 |
| Transaction Type | Mortgage |
| Record Updated | Mar 29, 2021 |
| Name | Verified Name |
|---|---|
| Address | 6040 HEARTHSIDE DR, TROY, MI 48098-5363 |
| Document Number | 0000042186 |
|---|---|
| Date | Feb 17, 2021 |
| Book Page | 55710/683 |
| Instrument | 42186 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 6040 HEARTHSIDE DR, TROY, MI 48098-5363 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 6040 HEARTHSIDE DR, TROY, MI 48098-5363 |
| Document Number | 0000228523 |
|---|---|
| Date | Nov 2, 2020 |
| Book Page | 55102/63 |
| Instrument | 228523 |
| Name | CREDIT UNION ONE |
|---|---|
| Type | Credit Union |
| Address | FERNDALE, MI 48220 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Nov 20, 2017 |
| Property Address | 6040 HEARTHSIDE DR, TROY, MI 48098-5363 |
| Document Number | 0000213633 |
| Book / Page | 51307 / 00166 |
| Map Reference | LB 208 PG 8 |
| Instrument Date | Nov 9, 2017 |
| Instrument | 213633 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2021 |
| Title Company | CISLO TITLE CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6040 HEARTHSIDE DR, TROY, MI 48098-5363 |
| Document Number | 0000213634 |
|---|---|
| Date | Nov 20, 2017 |
| Instrument | 213634 |
| Name | ASSOCIATED BANK NA |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Type Change Date | Dec 1, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 5.25% |
| Index | 1-Year LIBOR |
| Max Rate | 8.25% |
The 2025 property tax bill for 6040 Hearthside Dr was $6,965 with a homeowner's exemption.
Source: Oakland County assessment roll, as of February 4, 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 | $6,965.00 | ||
| 2023 | $541,240 | ||
| 2022 | $7,245.00 | $270,620 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6040 Hearthside Dr in Zone X, an area of minimal flood risk.
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 Policies | 2 in force |
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 risk around 6040 Hearthside Dr is low, with less than a 0.01% annual chance of wildfire.
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 | Direct burnable vegetation |
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 181 locations within half a mile, as of December 31, 2025
| 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 Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures