Oakland County property record for 6104 James Pl, Troy, MI 48098
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,462 sqft · built 2002 |
| Lot Size | 0.33 acres (14,375 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $7,327 (2025) |
| Deeds & Mortgages | Jun 2020 Line of Credit May 2019 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 88-20-04-454-001 |
| Primary APN | 88-20-04-454-001 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 13 Rooms |
| Stories | 1 Story |
| Building Area | 3,462 sqft Living Area |
| 1st Floor Area | 1,833 sqft |
| Basement Area | 1,833 sqft |
| Unfinished Basement | 1,833 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Brick |
| Lot Area | 14,375 sqft (0.33 acres) |
| Lot Dimensions | 136 ft deep x 105 ft wide |
| Garage Area | 638 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 28 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 6104 JAMES PL |
|---|---|
| City | TROY |
| State | MI |
| Zip | 48098-1877 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1B |
| Legal Description | T2N, R11E, SEC 4 WILLISON-TROY FARMS SUB LOT 4 1-13-97 FR 451-015 |
| Legal Range | 11E |
| Legal Township | 2N |
| Legal Section | 4 |
| Legal Subdivision | WILLISON TROY FARMS SUB |
| Legal Lot Number | 1,4 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | TROY |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 196300 |
6104 James Pl is owned and occupied by two individuals who acquired it in April 2022.
Source: Oakland County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 6104 JAMES PL, TROY, MI 48098-1877 |
| 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 |
|---|---|
| Jun 29, 2020 | Deed of Trust, Mortgage · Line of Credit OLD NATIONAL BANK |
| May 24, 2019 | Deed of Trust, Mortgage · Line of Credit OLD NATIONAL BANK |
| Sep 2, 2017 | Deed of Trust, Mortgage · Line of Credit LAKE MI CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Apr 4, 2022 |
| Transfer Doc | 0000069609 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 6104 JAMES PL, TROY, MI 48098-1877 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000125853 |
|---|---|
| Date | Jun 29, 2020 |
| Book Page | 54418/387 |
| Instrument | 125853 |
| Name | OLD NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | ANN ARBOR, MI 48104 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 25, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 6104 JAMES PL, TROY, MI 48098-1877 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000081279 |
|---|---|
| Date | May 24, 2019 |
| Book Page | 52861/00478 |
| Instrument | 81279 |
| Name | OLD NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | ANN ARBOR, MI 48104 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | May 25, 2029 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 6104 JAMES PL, TROY, MI 48098-1877 |
| Document Number | 0000199827 |
| Book / Page | 051226 / 000243 |
| Instrument Date | Sep 2, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 6104 JAMES PL TROY MI 480981877, TROY, MI 48098-1877 |
| Document Number | 0000199827 |
|---|---|
| Date | Oct 27, 2017 |
| Book Page | 051226/000243 |
| Instrument | 199827 |
| Name | LAKE MI CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49501-2848 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Oct 26, 2042 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 6104 James Pl was $7,327 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 | $7,327.00 | ||
| 2023 | $600,780 | ||
| 2022 | $7,621.00 | $300,390 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6104 James Pl in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 8, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 6104 James Pl 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 98% of the US · lower than 95% 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 214 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 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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