982 Cottage Ln, Troy, MI 48085 Property Records

Oakland County property record for 982 Cottage Ln, Troy, MI 48085

Property Summary

Property Type	Condominium
Lot Size	3.88 acres (169,254 sqft)
Owner	Individual Name on Record
Last Sale	$515,205 (Dec 2021)
Tax Bill	$8,028 (2025)
Deeds & Mortgages	Dec 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`88-20-10-478-003`

Property Details

APN / Parcel Number

Primary APN	`88-20-10-478-003`

Exterior

Architectural Style	Condo/Apartment
Lot Area	169,254 sqft (3.88 acres)

Location & Zoning

Street Address	982 COTTAGE LN
City	TROY
State	MI
Zip	48085-3293
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	T2N,R11E, SEC 10 OAKLAND COUNTY CONDOMINIUM PLAN NO 2298 MIDTOWN CROSSING UNIT3 L5391 P510 4-14-20 FR 476-045
Legal Subdivision	OAKLAND COUNTY CONDOMINIUM
Legal Unit	3
Jurisdiction	OAKLAND MI
Township / Civil Division	TROY
Census Block Group	2
Census Block	2015
Census Tract	196200

Owner

Source: Oakland County records, as of May 27, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	982 COTTAGE LN, TROY, MI 48085-3293
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 10, 2021 · Amount on Record
Deed Sale	Dec 10, 2021 · Amount on Record
Deed Document Number	2021189
Deed Book / Page	57166 / 55
Record Updated	Sep 20, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Dec 10, 2021
Property Address	982 COTTAGE LN, TROY, MI 48085-3293
Document Number	0000272189
Book / Page	57166 / 55
Map Reference	LB 53971 PG 510
Instrument Date	Nov 10, 2021
Instrument	272189
Transaction Type	Transfer
Record Updated	Oct 18, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$3,866.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	46600 ROMEO PLANK RD STE 5, 46600, MACOMB, MI 48044-5741

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	982 COTTAGE LN, TROY, MI 48085-3293

Tax Assessment & Valuation

Source: Oakland County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
Municipality	Troy City
Unified School District	Troy School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,028.00 (-7.16%)
2023			$498,560
2022	$8,647.00	$249,280

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.

Flood

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

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 cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

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, 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 271 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