Oakland County property record for 638 Thurber Dr, Troy, MI 48085
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,734 sqft · built 1977 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $4,625 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Jun 2023 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 88-20-15-405-010 |
| Primary APN | 88-20-15-405-010 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,734 sqft Living Area |
| 1st Floor Area | 2,714 sqft |
| Basement Area | 2,017 sqft |
| Unfinished Basement | 2,714 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Lot Area | 10,454 sqft (0.24 acres) |
| Lot Dimensions | 140 ft deep x 75 ft wide |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 73 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 638 THURBER DR |
|---|---|
| City | TROY |
| State | MI |
| Zip | 48085-4885 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1C |
| Legal Description | T2N, R11E, SEC 15 PINEMEADOW SUB LOT 69 |
| Legal Range | 11E |
| Legal Township | 2N |
| Legal Section | 15 |
| Legal Subdivision | PINEMEADOW SUB |
| Legal Lot Number | 69 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | TROY |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 197000 |
638 Thurber Dr is owner-occupied and held in a trust since March 2023.
Source: Oakland County records, as of May 27, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 638 THURBER DR, TROY, MI 48085-4885 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
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 |
|---|---|
| May 18, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK INC |
| Jun 5, 2023 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Mar 28, 2023 | Intrafamily Transfer, Transfer · Conventional Mortgage CITIZENS BANK NA |
| Aug 2, 2019 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Mar 14, 2023 |
| Transfer Doc | 0000029485 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | May 18, 2026 |
| Property Address | 638 THURBER DR, TROY, MI 48085-4885 |
| Document Number | 20260067123 |
| Book / Page | 61206 / 489 |
| Instrument Date | Apr 20, 2026 |
| Instrument | 202667123 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Life Tenant, 269 |
| Address | 638 THURBER DR, TROY, MI 48085-4885 |
| Document Number | 0000067123, |
|---|---|
| Date | May 18, 2026 |
| Book Page | 61206/489 |
| Instrument | 202667123 |
| Name | CITIZENS BANK INC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Apr 24, 2051 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 638 THURBER DR, TROY, MI 48085-4885 |
| Transaction Type | Mortgage |
| Record Updated | Jun 20, 2023 |
| Name | Verified Name |
|---|---|
| Address | 638 THURBER DR, TROY, MI 48085-4885 |
| Document Number | 0000061085 |
|---|---|
| Date | Jun 5, 2023 |
| Book Page | 58648/819 |
| Instrument | 61085 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | May 25, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Mar 28, 2023 |
| Property Address | 638 THURBER DR, TROY, MI 48085-4885 |
| Document Number | 0000029485 |
| Book / Page | 58501 / 279 |
| Map Reference | LB 142 PG 40 |
| Instrument Date | Mar 14, 2023 |
| Instrument | 29485 |
| Transaction Type | Transfer |
| Record Updated | May 30, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 638 THURBER DR, TROY, MI 48085-4885 |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 638 THURBER DR, TROY, MI 48085-4885 |
| Document Number | 0058501281 |
|---|---|
| Date | Mar 28, 2023 |
| Instrument | 58501/281 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Type Change Date | Apr 1, 2033 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10.5% |
| Index | Other |
| Max Rate | 10.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 638 THURBER DR, TROY, MI 48085-4885 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000123970 |
|---|---|
| Date | Aug 2, 2019 |
| Book Page | 53095/00868 |
| Instrument | 123970 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Jul 19, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 638 Thurber Dr was $4,625 with a homeowner's exemption.
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 | $4,625.00 | ||
| 2023 | $417,060 | ||
| 2022 | $4,810.00 | $208,530 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 638 Thurber Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1998.
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 | 4 (1998–2014) |
| Most Recent Claim | Aug 2014 · Severe Storms And Flooding |
| Claims by Event |
|
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 638 Thurber 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 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 349 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 · Fiber in parts of the area | 100 / 20 |
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