Oakland County property record for 87 Duncan Dr, Troy, MI 48098
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,242 sqft · built 1976 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $506,000 (Aug 2026) |
| Tax Bill | $5,511 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Aug 2026 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 88-20-16-276-023 |
| Primary APN | 88-20-16-276-023 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 3 Stories |
| Building Area | 2,242 sqft Living Area |
| 1st Floor Area | 1,417 sqft |
| Basement Area | 1,417 sqft |
| Unfinished Basement | 682 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Tri-Level |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Hip |
| Lot Area | 15,682 sqft (0.36 acres) |
| Lot Dimensions | 150 ft deep x 103 ft wide |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 50 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 87 DUNCAN DR |
|---|---|
| City | TROY |
| State | MI |
| Zip | 48098-4612 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1B |
| Legal Description | T2N, R11E, SEC 16 SCOTT LANDS SUB NO 1 LOT 36 |
| Legal Range | 11E |
| Legal Township | 2N |
| Legal Section | 16 |
| Legal Subdivision | SCOTT LANDS SUB #1 |
| Legal Lot Number | 36 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | TROY |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 196900 |
Source: Oakland County records, as of August 20, 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 | 87 DUNCAN DR, TROY, MI 48098-4612 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Aug 11, 2026 | Warranty Deed, Transfer · Conventional Mortgage SISTAR MORTGAGE COMPANY |
| Aug 10, 2026 | Deed of Trust, Mortgage · Conventional Mortgage SISTAR MORTGAGE COMPANY |
| Oct 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SOMERSET LENDING CORP |
| Mar 27, 2019 | Warranty Deed, Transfer · Conventional with PMI SOMERSET LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 11, 2026 · Amount on Record |
| Deed Sale | Aug 11, 2026 · Amount on Record |
| Prior Sale | Mar 27, 2019 · Amount on Record |
| Deed Document Number | 2026119788 |
| Deed Book / Page | 61449 / 660 |
| Prior Transfer Date | Sep 6, 2007 |
| Prior Transfer Doc | 0000199377 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Aug 11, 2026 |
| Property Address | 87 DUNCAN DR, TROY, MI 48098-4612 |
| Document Number | 0000119788 |
| Book / Page | 61449 / 660 |
| Instrument Date | Jul 24, 2026 |
| Instrument | 2026119788 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $383,295.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 87 DUNCAN DR, TROY, MI 48098-4612 |
| Document Number | 0000118513, |
|---|---|
| Date | Aug 11, 2026 |
| Instrument | 2026118513 |
| Name | SISTAR MORTGAGE COMPANY |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.49% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Aug 10, 2026 |
| Property Address | 87 DUNCAN DR, TROY, MI 48098-4612 |
| Document Number | 0000118513 |
| Book / Page | 61441 / 779 |
| Instrument Date | Jul 24, 2026 |
| Instrument | 2026118513 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 87 DUNCAN DR, TROY, MI 48098-4612 |
| Document Number | 0000118513, |
|---|---|
| Date | Aug 10, 2026 |
| Book Page | 61441/779 |
| Instrument | 2026118513 |
| Name | SISTAR MORTGAGE COMPANY |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.49% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 87 DUNCAN DR, TROY, MI 48098-4612 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | IS 87 DUNCAN DR, TROY, MI 48098 |
| Document Number | 0000219082 |
|---|---|
| Date | Oct 22, 2020 |
| Book Page | 55036/751 |
| Instrument | 219082 |
| Name | SOMERSET LENDING CORP |
|---|---|
| Type | Mortgage Company |
| Address | ROCHESTER, MI 48307 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Mar 27, 2019 |
| Property Address | 87 DUNCAN DR, TROY, MI 48098-4612 |
| Document Number | 0000040887 |
| Book / Page | 052679 / 000770 |
| Instrument Date | Mar 18, 2019 |
| Instrument | 40887 |
| Transaction Type | Transfer |
| Record Updated | Apr 12, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,773.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 87 DUNCAN DR TROY MI 480984612, TROY, MI 48098-4612 |
| Document Number | 37470 |
|---|---|
| Date | Mar 27, 2019 |
| Book Page | 052662/000759 |
| Instrument | 37470 |
| Name | SOMERSET LNDG |
|---|---|
| Address | ROCHESTER, MI 48307 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 26, 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 | $5,511.00 (-3.84%) | ||
| 2023 | $347,240 | ||
| 2022 | $5,731.00 | $173,620 |
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.
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 Policies | 1 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 | Not rated no burnable land within 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 292 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 · Fiber in parts of the area | 100 / 20 |
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