Oakland County property record for 6348 Emerald Lake Dr, Troy, MI 48085
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,652 sqft · built 1968 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | Company Name on Record |
| Last Sale | $238,000 (Dec 2016) |
| Tax Bill | $4,913 (2025) |
| Deeds & Mortgages | Aug 2023 Line of Credit Aug 2017 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 88-20-02-402-005 |
| Primary APN | 88-20-02-402-005 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,652 sqft Living Area |
| 1st Floor Area | 1,652 sqft |
| Basement Area | 1,652 sqft |
| Finished Basement | 1,652 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Gable |
| Lot Area | 11,761 sqft (0.27 acres) |
| Lot Dimensions | 130 ft deep x 90 ft wide |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 252 sqft |
| Deck Area | 190 sqft |
| Patio Area | 190 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 6348 EMERALD LAKE DR |
|---|---|
| City | TROY |
| State | MI |
| Zip | 48085-1336 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1D |
| Legal Description | T2N, R11E, SEC 2 EMERALD LAKES VILLAGE NO. 3 LOT 118 |
| Legal Range | 11E |
| Legal Township | 2N |
| Legal Section | 2 |
| Legal Subdivision | EMERALD LAKES VILLAGE #3 |
| Legal Lot Number | 118 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | TROY |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 196100 |
Source: Oakland County records, as of May 27, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 6348 EMERALD LAKE DR, TROY, MI 48085-1336 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Aug 18, 2023 | Deed of Trust, Mortgage · Line of Credit CREDIT UNION ONE |
| Aug 25, 2017 | Deed of Trust, Mortgage · Conventional Mortgage HANTZ BANK |
| Sep 11, 2020 | Deed of Trust, Mortgage · Line of Credit CREDIT UNION ONE |
| Dec 11, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jul 29, 2022 | Intrafamily Transfer, Transfer |
| Oct 30, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CREDIT UNION ONE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 13, 2016 · Amount on Record |
| Deed Sale | Dec 13, 2016 · Amount on Record |
| Deed Document Number | 2016235461 |
| Deed Book / Page | 50173 / 706 |
| Prior Transfer Date | Dec 9, 2016 |
| Prior Transfer Doc | 0000235461 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 6348 EMERALD LAKE DR, TROY, MI 48085-1336 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2023 |
| Name | Verified Name |
|---|---|
| Address | 6348 EMERALD LAKE DR, TROY, MI 48085-1336 |
| Document Number | 0000091008 |
|---|---|
| Date | Aug 18, 2023 |
| Book Page | 58819/510 |
| Instrument | 91008 |
| Name | CREDIT UNION ONE |
|---|---|
| Type | Credit Union |
| Address | FERNDALE, MI 48220 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Aug 17, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 6348 EMERALD LAKE DR, TROY, MI 48085-1336 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2022 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000160922 |
|---|---|
| Date | Aug 25, 2017 |
| Book Page | 51012/00075 |
| Instrument | 160922 |
| Name | HANTZ BANK |
|---|---|
| Type | Bank |
| Address | SOUTHFIELD, MI 48034 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 6348 EMERALD LAKE DR, TROY, MI 48085-1336 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2022 |
| Name | Verified Name |
|---|---|
| Address | 6348 EMERALD LAKE DR, TROY, MI 48085-1336 |
| Document Number | 0000184077 |
|---|---|
| Date | Sep 11, 2020 |
| Book Page | 54811/337 |
| Instrument | 184077 |
| Name | CREDIT UNION ONE |
|---|---|
| Type | Credit Union |
| Address | FERNDALE, MI 48220 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 6348 EMERALD LAKE DR, TROY, MI 48085-1336 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2022 |
| Name | Verified Name |
|---|---|
| Address | 6348 EMERALD LAKE DR, TROY, MI 48085-1336 |
| Document Number | 0000263619 |
|---|---|
| Date | Dec 11, 2020 |
| Book Page | 55320/42 |
| Instrument | 263619 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 6348 EMERALD LAKE DR, TROY, MI 48085-1336 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2022 |
| Title Company | DEVON TITLE |
| Name | Verified Name |
|---|---|
| Address | 6348 EMERALD LAKE DR, TROY, MI 48085-1336 |
| Document Number | 0000280154 |
|---|---|
| Date | Dec 21, 2021 |
| Book Page | 57213/715 |
| Instrument | 280154 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 1, 2036 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Jul 29, 2022 |
| Property Address | 6348 EMERALD LAKE DR, TROY, MI 48085-1336 |
| Document Number | 0000421827 |
| Book / Page | 57992 / 752 |
| Map Reference | LB 112 PG 35 |
| Instrument Date | Jan 17, 2022 |
| Instrument | 421827 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6348 EMERALD LAKE DR, 6348, TROY, MI 48085-1336 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 6348 EMERALD LAKE DR, TROY, MI 48085-1336 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 6348 EMERALD LAKE DR, TROY, MI 48085-1336 |
| Document Number | 0000191144 |
| Instrument Date | Oct 30, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 30, 2019 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 6348 EMERALD LAKE DR TROY MI 480851336, TROY, MI 48085-1336 |
| Document Number | 0000191144 |
|---|---|
| Date | Nov 14, 2019 |
| Book Page | 053503/000300 |
| Instrument | 191144 |
| Name | CREDIT UNION ONE |
|---|---|
| Type | Credit Union |
| Address | SOUTHFIELD, MI 48034 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 13, 2049 |
Source: Oakland County assessment roll, as of January 21, 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 | $4,913.00 (-3.84%) | ||
| 2023 | $349,560 | ||
| 2022 | $5,109.00 | $174,780 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| 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.
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.
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 235 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
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