Oakland County property record for 646 E Long Lake Rd, Troy, MI 48085
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,627 sqft · built 1997 |
| Lot Size | 0.49 acres (21,344 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $525,000 (Jul 2018) |
| Tax Bill | $8,772 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Jun 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 88-20-15-203-007 |
| Primary APN | 88-20-15-203-007 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 3,627 sqft Living Area |
| 1st Floor Area | 1,841 sqft |
| Basement Area | 1,841 sqft |
| Finished Basement | 1,841 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Colonial |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Hip |
| Lot Area | 21,344 sqft (0.49 acres) |
| Lot Dimensions | 255 ft deep x 83 ft wide |
| Garage Area | 849 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 42 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 646 E LONG LAKE RD |
|---|---|
| City | TROY |
| State | MI |
| Zip | 48085-4874 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1C |
| Legal Description | T2N, R11E, SEC 15 COVINGTON RIDGE SUB NO 3 LOT 42 9-16-96 FR 201-006 |
| Legal Range | 11E |
| Legal Township | 2N |
| Legal Section | 15 |
| Legal Subdivision | COVINGTON RIDGE SUB #3 |
| Legal Lot Number | 9,42 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | TROY |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 197000 |
Source: Oakland County records, as of June 12, 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 Record |
|---|---|
| Mailing Address | 646 E LONG LAKE RD, TROY, MI 48085-4874 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 5, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT |
| Jun 19, 2020 | Quit Claim Deed, Transfer DEARBORN FSB |
| Jul 9, 2018 | Warranty Deed, Transfer DEARBORN FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 9, 2018 · Amount on Record |
| Deed Sale | Jul 9, 2018 · Amount on Record |
| Prior Sale | Sep 11, 1998 |
| Deed Document Number | 2018113150 |
| Deed Book / Page | 51976 / 406 |
| Last Transfer Date | Jun 5, 2020 |
| Transfer Doc | 0000119023 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Jun 5, 2026 |
| Property Address | 646 E LONG LAKE RD, TROY, MI 48085-4874 |
| Document Number | 0000080771 |
| Book / Page | 61268 / 78 |
| Instrument Date | May 29, 2026 |
| Instrument | 202680771 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 646 E LONG LAKE RD, TROY, MI 48085-4874 |
| Document Number | 0000080771, |
|---|---|
| Date | Jun 5, 2026 |
| Book Page | 61268/78 |
| Instrument | 202680771 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 29, 2056 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Jun 19, 2020 |
| Property Address | 646 E LONG LAKE RD, TROY, MI 48085-4874 |
| Document Number | 0000119023 |
| Book / Page | 054379 / 000404 |
| Instrument Date | Jun 5, 2020 |
| Instrument | 119023 |
| Transaction Type | Transfer |
| Record Updated | Jul 24, 2020 |
| Title Company | CORTITLE LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 646 E LONG LAKE RD TROY MI 480854874, TROY, MI 48085-4874 |
| Document Number | 119024 |
|---|---|
| Date | Jun 19, 2020 |
| Book Page | 054379/000405 |
| Instrument | 119024 |
| Name | DEARBORN FSB |
|---|---|
| Type | Federal Savings Bank |
| Address | DEARBORN, MI 48124 |
| Amount | Amount Recorded |
|---|---|
| Term | 276 Months |
| Due | Jun 18, 2043 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Jul 9, 2018 |
| Property Address | 646 E LONG LAKE RD, TROY, MI 48085-4874 |
| Document Number | 0000113150 |
| Book / Page | 051976 / 000406 |
| Instrument Date | Jun 29, 2018 |
| Instrument | 113150 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2018 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,515.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 511 FOX HILLS DR N BLOOMFIELD HILLS MI 483041311, BLOOMFIELD HILLS, MI 48304-1311 |
| Document Number | 113129 |
|---|---|
| Date | Jul 9, 2018 |
| Book Page | 051976/000296 |
| Instrument | 113129 |
| Name | DEARBORN FSB |
|---|---|
| Type | Federal Savings Bank |
| Address | DEARBORN, MI 48124 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 8, 2048 |
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 | $8,772.00 (-3.86%) | ||
| 2023 | $526,080 | ||
| 2022 | $9,124.00 | $263,040 |
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
| 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.
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 271 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 |
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