Oakland County property record for 975 Emerson Dr, Troy, MI 48084
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,535 sqft · built 1988 |
| Lot Size | 0.44 acres (19,166 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $384,900 (Dec 2017) |
| Tax Bill | $5,950 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Aug 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 88-20-21-304-006 |
| Primary APN | 88-20-21-304-006 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,535 sqft Living Area |
| 1st Floor Area | 1,370 sqft |
| Basement Area | 1,245 sqft |
| Unfinished Basement | 1,370 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Colonial |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Lot Area | 19,166 sqft (0.44 acres) |
| Lot Dimensions | 279 ft deep x 69 ft wide |
| Garage Area | 481 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 50 sqft |
| Deck Area | 520 sqft |
| Patio Area | 520 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 975 EMERSON DR |
|---|---|
| City | TROY |
| State | MI |
| Zip | 48084-1691 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1B |
| Legal Description | T2N, R11E, SEC 21 WILSHIRE ESTATES LOT 5 10-22-86 FR 302-010 |
| Legal Range | 11E |
| Legal Township | 2N |
| Legal Section | 21 |
| Legal Subdivision | WILSHIRE ESTATE SUB |
| Legal Lot Number | 5,10 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | TROY |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 196900 |
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 | 975 EMERSON DR, TROY, MI 48084-1691 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 24, 2021 | Deed of Trust, Mortgage QUICKEN LOANS LLC |
| Aug 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP |
| Dec 13, 2017 | Warranty Deed, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 13, 2017 · Amount on Record |
| Deed Sale | Dec 13, 2017 · Amount on Record |
| Prior Sale | Feb 11, 2002 |
| Deed Document Number | 2017227581 |
| Deed Book / Page | 51384 / 313 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 975 EMERSON DR, TROY, MI 48084-1691 |
| Transaction Type | Mortgage |
| Record Updated | Mar 29, 2021 |
| Name | Verified Name |
|---|---|
| Address | 975 EMERSON DR, TROY, MI 48084-1691 |
| Document Number | 0000049722 |
|---|---|
| Date | Feb 24, 2021 |
| Book Page | 55769/484 |
| Instrument | 49722 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 975 EMERSON DR, TROY, MI 48084-1691 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000163979 |
|---|---|
| Date | Aug 17, 2020 |
| Book Page | 54674/82 |
| Instrument | 163979 |
| Name | PROVIDENT FUNDING ASSOCIATES LP |
|---|---|
| Type | Mortgage Company |
| Address | PITTSBURGH, PA 15220 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Dec 13, 2017 |
| Property Address | 975 EMERSON DR, TROY, MI 48084-1691 |
| Document Number | 0000227581 |
| Book / Page | 51384 / 00313 |
| Map Reference | LB 190 PG 26 |
| Instrument Date | Dec 8, 2017 |
| Instrument | 227581 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2021 |
| Title Company | FIRST AMERICAN TITLE INSURAN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,311.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 975 EMERSON DR, TROY, MI 48084-1691 |
| Document Number | 0000227582 |
|---|---|
| Date | Dec 13, 2017 |
| Instrument | 227582 |
| Name | PROVIDENT FUNDING ASSOCIATES LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jan 1, 2038 |
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 | $5,950.00 (-3.85%) | ||
| 2023 | $388,400 | ||
| 2022 | $6,188.00 | $194,200 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, 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.
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 275 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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