851 E Lovell Dr, Troy, MI 48085 Property Records

Oakland County property record for 851 E Lovell Dr, Troy, MI 48085

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,389 sqft · built 1953
Lot Size	0.62 acres (27,007 sqft)
Owner	Individual Name on File
Last Sale	$387,500 (Nov 2021)
Tax Bill	$1,374 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`88-20-03-226-048`

Property Details

APN / Parcel Number

Primary APN	`88-20-03-226-048`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	3,389 sqft Living Area
1st Floor Area	1,661 sqft
Basement Area	1,661 sqft
Unfinished Basement	1,661 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Colonial
Exterior Material	Wood Siding
Lot Area	27,007 sqft (0.62 acres)
Lot Dimensions	195 ft deep x 137 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	70 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	851 E LOVELL DR
City	TROY
State	MI
Zip	48085-1645
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	T2N, R11E, SEC 3 PART OF NE FRAC 1/4 BEG AT PT DIST N 01-46-00 W 1831.58 FT &S 88-39-00 W 890.56 FT, FROM E 1/4 COR, TH N
Legal Range	11E
Legal Township	2N
Legal Section	3
Jurisdiction	OAKLAND MI
Township / Civil Division	TROY
Census Block Group	1
Census Block	1000
Census Tract	196200

Owner

Source: Oakland County records · APN 88-20-03-226-048

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	Individual Name on File
Mailing Address	851 E LOVELL DR, TROY, MI 48085-1645
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 05, 2021 · Amount on Record
Deed Sale	Nov 05, 2021 · Amount on Record
Deed Document Number	2021254345
Deed Book / Page	57060 / 493
Record Updated	Sep 20, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Nov 05, 2021
Property Address	851 E LOVELL DR, TROY, MI 48085-1645
Document Number	0000254345
Book / Page	57060 / 493
Instrument Date	Oct 25, 2021
Instrument	254345
Transaction Type	Transfer
Record Updated	Feb 10, 2023
Title Company	NOT AVAILABLE, EMBASSY TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,908.26
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2501 DAVISTA DR, HIGHLAND, MI 48356-1623

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	851 E LOVELL DR, TROY, MI 48085-1645

Mortgage

Document Number	0057060496
Date	Nov 05, 2021
Instrument	57060/496

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2051

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	Avondale School District (KG - 12)

Tax Bill & Assessment History

Assessed market value is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Market Value
2025	$1,374.00 (-80.43%)
2022	$7,022.00
2018		$267,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of December 8, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low lower than 96% of the US · lower than 91% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
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 as of December 31, 2025 · Last verified October 2026

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 USA Fixed Wireless	100 / 20
AT&T DSL	100 / 20

Based on FCC filings for 216 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	TROY serves 85,854 people
Water Source	Purchased surface water from GREAT LAKES WATER AUTHORITY
Last State Inspection	Dec 2023
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.