Oakland County property record for 6787 Locust Dr, Troy, MI 48098
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 3,497 sqft · built 1985 |
| Lot Size | 0.45 acres (19,602 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $655,000 (Oct 2023) |
| Tax Bill | $9,563 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Dec 2025 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 88-20-05-129-030 |
| Primary APN | 88-20-05-129-030 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 3,497 sqft Living Area |
| 1st Floor Area | 1,534 sqft |
| Basement Area | 1,094 sqft |
| Unfinished Basement | 1,534 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Colonial |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Lot Area | 19,602 sqft (0.45 acres) |
| Lot Dimensions | 168 ft deep x 116 ft wide |
| Garage Area | 450 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 362 sqft |
| Deck Area | 148 sqft |
| Patio Area | 564 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 6787 LOCUST DR |
|---|---|
| City | TROY |
| State | MI |
| Zip | 48098-1940 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1B |
| Legal Description | T2N, R11E, SEC 5 FOREST CREEK SUB LOT 30 |
| Legal Range | 11E |
| Legal Township | 2N |
| Legal Section | 5 |
| Legal Subdivision | FOREST CREEK |
| Legal Lot Number | 30 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | TROY |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 196400 |
6787 Locust Dr is owned and occupied by two individuals who bought it in October 2023.
Source: Oakland County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 6787 LOCUST DR, TROY, MI 48098-1940 |
| 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 |
|---|---|
| Jul 2, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 29, 2025 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Oct 25, 2023 | Warranty Deed, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP |
| Feb 7, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Jun 19, 2017 | Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB |
| Jul 30, 2019 | Deed of Trust, Mortgage · Conventional Mortgage STAUNTON FINANCIAL INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 25, 2023 · Amount on File |
| Deed Sale | Oct 25, 2023 · Amount on File |
| Prior Sale | Apr 18, 2013 · Amount on File |
| Deed Document Number | 2023116982 |
| Deed Book / Page | 58964 / 135 |
| Prior Transfer Date | Jun 28, 2011 |
| Prior Transfer Doc | 0000122322 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Jul 2, 2026 |
| Property Address | 6787 LOCUST DR, TROY, MI 48098-1940 |
| Document Number | 0000096306 |
| Book / Page | 61340 / 397 |
| Instrument Date | Jun 24, 2026 |
| Instrument | 202696306 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 6787 LOCUST DR, TROY, MI 48098-1940 |
| Document Number | 0000096306, |
|---|---|
| Date | Jul 2, 2026 |
| Book Page | 61340/397 |
| Instrument | 202696306 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.87% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 6787 LOCUST DR, TROY, MI 48098-1940 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 6787 LOCUST DR, TROY, MI 48098-1940 |
| Document Number | 20250163888 |
|---|---|
| Date | Dec 29, 2025 |
| Book Page | 60830/565 |
| Instrument | 20250163888 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jan 1, 2046 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Oct 25, 2023 |
| Property Address | 6787 LOCUST DR, TROY, MI 48098-1940 |
| Document Number | 0000116982 |
| Book / Page | 58964 / 135 |
| Map Reference | LB 168 PG 40 |
| Instrument Date | Oct 20, 2023 |
| Instrument | 116982 |
| Transaction Type | Transfer |
| Record Updated | Nov 6, 2023 |
| Title Company | TWENTY TWO TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,912.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6787 LOCUST DR, TROY, MI 48098-1940 |
| Name | Verified Name |
|---|---|
| Address | 6787 LOCUST DR, TROY, MI 48098-1940 |
| Document Number | 0000119630 |
|---|---|
| Date | Nov 1, 2023 |
| Book Page | 58979/503 |
| Instrument | 119630 |
| Name | PROVIDENT FUNDING ASSOCIATES LP |
|---|---|
| Type | Mortgage Company |
| Address | SANTA ROSA, CA 95401 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 6787 LOCUST DR, TROY, MI 48098-1940 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2022 |
| Name | Verified Name |
|---|---|
| Address | 6787 LOCUST DR, TROY, MI 48098-1940 |
| Document Number | 0000313742 |
|---|---|
| Date | Feb 7, 2022 |
| Book Page | 57412/301 |
| Instrument | 313742 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Jan 5, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 6787 LOCUST DR, TROY, MI 48098-1940 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000117788 |
|---|---|
| Date | Jun 19, 2017 |
| Book Page | 50779/00394 |
| Instrument | 117788 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 10, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 6787 LOCUST DR, TROY, MI 48098-1940 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000121992 |
|---|---|
| Date | Jul 30, 2019 |
| Book Page | 53083/00006 |
| Instrument | 121992 |
| Name | STAUNTON FINANCIAL INC |
|---|---|
| Type | Non-Lending Institution |
| Address | SOUTHFIELD, MI 48075 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Aug 1, 2039 |
The 2025 property tax bill for 6787 Locust Dr was $9,563 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 | Avondale School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,563.00 | ||
| 2023 | $481,880 | ||
| 2022 | $6,882.00 | $240,940 |
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.
FEMA maps place 6787 Locust Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 AE, within 500 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.
Wildfire risk around 6787 Locust 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 98% of the US · lower than 95% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 306 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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