Oakland County property record for 95 Cutting Dr, Troy, MI 48085
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,560 sqft · built 1954 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $255,000 (Mar 2021) |
| Tax Bill | $3,662 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Mar 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 88-20-10-101-050 |
| Primary APN | 88-20-10-101-050 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,560 sqft Living Area |
| 1st Floor Area | 1,560 sqft |
| Basement Area | 1,560 sqft |
| Finished Basement | 1,560 sqft |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1979 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Lot Area | 11,326 sqft (0.26 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 28 sqft |
| Deck Area | 326 sqft |
| Patio Area | 326 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 95 CUTTING DR |
|---|---|
| City | TROY |
| State | MI |
| Zip | 48085-3102 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1B |
| Legal Description | T2N, R11E, SEC 10 TROY SUB LOT 15, ALSO LOT 17 EXC E 32 FT |
| Legal Range | 11E |
| Legal Township | 2N |
| Legal Section | 10 |
| Legal Subdivision | TROY SUB |
| Legal Lot Number | 15,17 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | TROY |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 196200 |
Source: Oakland County records, as of May 27, 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 Record |
|---|---|
| Mailing Address | 95 CUTTING DR, TROY, MI 48085-3102 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 23, 2026 | Deed of Trust, Mortgage · Partial Claim Mortgage OUTAMATION INC |
| Mar 17, 2021 | Warranty Deed, Transfer · FHA Mortgage CELEBRITY HOME LOANS LLC |
| Dec 4, 2019 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 17, 2021 · Amount on Record |
| Deed Sale | Mar 17, 2021 · Amount on Record |
| Prior Sale | Apr 21, 2015 · Amount on Record |
| Deed Document Number | 202169059 |
| Deed Book / Page | 55894 / 461 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 95 CUTTING DR, TROY, MI 48085-3102 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 95 CUTTING DR, TROY, MI 48085-3102 |
| Document Number | 20260034127 |
|---|---|
| Date | Mar 23, 2026 |
| Book Page | 61037/611 |
| Instrument | 20260034127 |
| Name | OUTAMATION INC |
|---|---|
| Type | Non-Lending Institution |
| Address | FORT LAUDERDALE, FL 33323 |
| Type | Partial Claim Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Mar 17, 2021 |
| Property Address | 95 CUTTING DR, TROY, MI 48085-3102 |
| Document Number | 0000069059 |
| Book / Page | 55894 / 461 |
| Map Reference | LB 17 PG 28 |
| Instrument Date | Mar 15, 2021 |
| Instrument | 69059 |
| Transaction Type | Transfer |
| Record Updated | Oct 18, 2022 |
| Title Company | TITLE SENSE INC, TITLE ONE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,193.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4899 WYE OAK RD, 4899, BLOOMFIELD, MI 48301-2860 |
| Name | Verified Name |
|---|---|
| Address | 95 CUTTING DR, TROY, MI 48085-3102 |
| Document Number | 0055897362 |
|---|---|
| Date | Mar 17, 2021 |
| Instrument | 55897/362 |
| Name | CELEBRITY HOME LOANS LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 95 CUTTING DR, TROY, MI 48085-3102 |
| Document Number | 0000211256 |
| Instrument Date | Dec 4, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 6, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 95 CUTTING DR TROY MI 480853102, TROY, MI 48085-3102 |
| Document Number | 0000211256 |
|---|---|
| Date | Dec 18, 2019 |
| Book Page | 053622/000527 |
| Instrument | 211256 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Oakland County assessment roll, as of February 4, 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 | $3,662.00 (+3.95%) | ||
| 2024 | $3,523.00 (-29.78%) | ||
| 2023 | $201,620 | ||
| 2022 | $5,017.00 | $100,810 |
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 | 2 in force |
| Nearby Flood Claims | 2 (2001–2008) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Sep 2008 · rainfall accumulation |
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 | Low lower than 95% of the US · lower than 89% 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 214 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 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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