6281 Emerald Lake Dr, Troy, MI 48085 Property Records

Oakland County property record for 6281 Emerald Lake Dr, Troy, MI 48085 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,047 sqft · built 1968
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$470,000 (Feb 2023)
Tax Bill	$7,721 (2025)
Deeds & Mortgages	Feb 2023 Sale & Mortgage Nov 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`88-20-02-378-064`

Property Details

APN / Parcel Number

Primary APN	`88-20-02-378-064`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	3,047 sqft Living Area
1st Floor Area	1,839 sqft
Basement Area	1,839 sqft
Finished Basement	1,839 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Colonial
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	123 ft deep x 95 ft wide
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	104 sqft
Deck Area	320 sqft
Patio Area	320 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	6281 EMERALD LAKE DR
City	TROY
State	MI
Zip	48085-1333
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T2N, R11E, SEC 2 EMERALD LAKES VILLAGE NO 2 PART OF LOT 77 BEG AT NE LOT COR,TH S 02-35-51 E 11.17 FT, TH N 66-53-08 W 60.65
Legal Range	11E
Legal Township	2N
Legal Section	2
Legal Subdivision	EMERALD LAKES VILLAGE SUB #2
Legal Lot Number	77
Jurisdiction	OAKLAND MI
Township / Civil Division	TROY
Census Block Group	3
Census Block	3008
Census Tract	196100

Owner

Source: Oakland County records · APN 88-20-02-378-064

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	6281 EMERALD LAKE DR, TROY, MI 48085-1333
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2023	Warranty Deed, Transfer · Conventional Mortgage EXTREME LOANS LLC
Nov 02, 2018	Deed of Trust, Mortgage · Line of Credit INDEPENDENT BANK
Sep 03, 2019	Deed of Trust, Mortgage · Line of Credit INDEPENDENT BANK
Apr 28, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 22, 2023 · Amount on Record
Deed Sale	Feb 22, 2023 · Amount on Record
Deed Document Number	202317517
Deed Book / Page	58435 / 347
Prior Transfer Date	Nov 02, 2021
Prior Transfer Doc	0000373803
Record Updated	Sep 20, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Feb 22, 2023
Property Address	6281 EMERALD LAKE DR, TROY, MI 48085-1333
Document Number	0000017517
Book / Page	58435 / 347
Map Reference	LB 121 PG 5&6
Instrument Date	Feb 16, 2023
Instrument	17517
Transaction Type	Transfer
Record Updated	Mar 08, 2023
Title Company	INTERSTATE TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,525.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13875 S PINEGROVE RD, HOLLY, MI 48442-8924

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6281 EMERALD LAKE DR, TROY, MI 48085-1333

Mortgage

Document Number	0000017726
Date	Feb 23, 2023
Book Page	58436/445
Instrument	17726

Lender

Name	EXTREME LOANS LLC
Type	Mortgage Company
Address	SOUTHFIELD, MI 48034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2053

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	6281 EMERALD LAKE DR, TROY, MI 48085-1333
Transaction Type	Mortgage
Record Updated	Oct 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000179665
Date	Nov 02, 2018
Book Page	52326/00811
Instrument	179665

Lender

Name	INDEPENDENT BANK
Type	Bank
Address	TROY, MI 48084

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	6281 EMERALD LAKE DR, TROY, MI 48085-1333
Transaction Type	Mortgage
Record Updated	Oct 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000142127
Date	Sep 03, 2019
Book Page	53200/00191
Instrument	142127

Lender

Name	INDEPENDENT BANK
Type	Bank
Address	GRAND RAPIDS, MI 49525

Agreement

Type	Line of Credit
Amount	Amount Recorded

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OAKLAND MI
Recording Date	Apr 28, 2022
Property Address	6281 EMERALD LAKE DR, TROY, MI 48085-1333
Document Number	0000373803
Book / Page	57723 / 56
Instrument Date	Nov 02, 2021
Instrument	373803
Transaction Type	Transfer
Record Updated	Jun 07, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6281 EMERALD LAKE DR, 6281, TROY, MI 48085-1333

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	6281 EMERALD LAKE DR, TROY, MI 48085-1333

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	Troy School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,721.00 (+27.2%)
2023			$446,420
2022	$6,070.00	$223,210

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 261251961003, 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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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 · Published October 2026 · based on 178 locations within about half a mile of this property

Provider	Technology	Download / Upload (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	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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