Title search in Troy, Michigan
HeritageDeed runs AI title searches in Troy (Oakland County), Michigan, against the Oakland County Clerk / Register of Deeds and the Oakland County Property Gateway. A report lists the deeds, open mortgages, liens and court records found, with the source of each, usually within minutes. The price is $49 per report.
Covers Oakland County, including Troy, Southfield, Farmington Hills, Novi, Rochester Hills, Royal Oak, Pontiac, Waterford, West Bloomfield, Birmingham, Ferndale.
Where Troy land records are kept
| Office | What it holds |
|---|---|
| Oakland County Clerk / Register of Deeds | Records deeds, mortgages, discharges, land contracts and liens |
| Oakland County Property Gateway | Parcel reports and maps, including owner and tax information |
How recording works here
Deeds, mortgages, discharges, land contracts and liens are recorded with the Oakland County Register of Deeds, part of the County Clerk's office.
The Register of Deeds indexes documents to each parcel number (PIN) and cross-references a discharge to the mortgage it discharges.
A Michigan land contract leaves legal title with the seller until a deed in fulfilment is recorded; the report notes an unfulfilled one.
The county's parcel records give the PIN, address and values but not owner names, so the owner of record is read from the recorded deeds.
What a HeritageDeed report searches in Troy
- PIN, situs address, assessed and taxable value from Oakland County's parcel records
- Every deed, mortgage, discharge, assignment, land contract and lien the Register of Deeds indexes to the parcel's PIN
- Owner of record from the newest deed into the parcel, followed back through transfers between the same owners
- Mortgages matched to discharges by the Register's cross-references; earlier owners' loans set apart
- Federal court records matched to the owner
- Flood zone and federal environmental sites near the parcel
What it does not cover
Judgments, liens and court cases that are not indexed to the parcel are not searched.
Loan amounts are not shown.
Delinquent property taxes (County Treasurer) are not searched.
The owner of record is read from recorded deeds; a sale recorded after the Register's indexed-through date is not yet shown.
The report is a public-records search, not title insurance or an attorney's opinion of title.
What to check in Troy property records
A thorough review of a property's records covers the same ground in every county:
- The owner of record and how title was taken: the current deed, who the seller was, and whether the transfer was a sale, a family transfer, or a foreclosure or tax sale.
- Every mortgage or deed of trust recorded against the property and, for each one, whether a satisfaction or release was recorded. A loan with no release of record may still be open.
- Liens, judgments and lis pendens filed against the owner or the property, including tax liens and court filings.
- Property tax status, so that unpaid taxes do not pass to a new owner.
- Document numbers, book and page references and recording dates, so that a title company or attorney can pull the originals.
A HeritageDeed report checks all of this for Troy, MI automatically, usually in about a minute, and shows the source of every finding.
Other records for Troy
- Troy loan limitsThis year's FHFA conforming, FHA and VA county loan limits for 1 to 4 unit homes, from FHFA's and HUD's official files.
- Troy fair market rentHUD Fair Market Rents for studios to 4 bedrooms, the voucher payment standard range and the change from last year.
- Troy property tax rateEffective property tax rate from Census survey data: median taxes paid against median home value, ranked in the state.
- Environmental records reportSuperfund, hazardous waste, leaking tank and brownfield sites near any Troy address, with distances and a site map. A records search, not a Phase I.
- Superfund sites in MichiganEvery EPA Superfund site in Michigan with its status, county and a map, refreshed nightly from federal records.
- Superfund sites near an addressFree lookup of the nearest EPA Superfund (NPL) sites and their status.
- Flood zone lookupThe FEMA flood zone mapped at any Troy address. A free check, not an official flood zone determination.
- USDA eligibility map: MichiganHow much of each Michigan county is in a USDA-eligible rural area, the towns mapped ineligible, and a free address check.
- Opportunity zones in MichiganEvery designated Opportunity Zone tract in Michigan by county, from the IRS list, and the tracts eligible for the 2027 round.
- Census tract lookupThe census tract of any Troy address with its FFIEC income level and HUD Qualified Census Tract and DDA status.
- Radon in TroyThe EPA radon zone and the radon test results on file for the county, from CDC and state health agencies.
- Fault lines near an addressUSGS-mapped earthquake faults within 5 miles of any Troy address, with their age and slip rate.
- Power lines near an addressHigh-voltage transmission lines within 1 mile of any Troy address, from the federal HIFLD map.
Pricing
Owner of record and vesting deed, every deed, mortgage and release the county index returns, recorded liens, court records matched to the owner and tax status. One flat price: every order gets the full search.
$49· others charge$100–$400save 50%+Questions about Troy title searches
Where are deeds recorded in Oakland County, Michigan?
Deeds, mortgages, discharges, land contracts and liens are recorded with the Oakland County Register of Deeds, part of the County Clerk's office. The Register indexes documents to each parcel number (PIN), and a HeritageDeed report works from the PIN, so every document it lists is indexed to the property.
Why does the owner come from the deeds and not the county's parcel data?
Oakland County's parcel records give the PIN, the address and the assessed and taxable values, but not owner names. The report reads the owner of record from the newest recorded deed into the parcel, followed back through transfers between the same owners, and names that deed. A sale recorded after the Register's indexed-through date is not shown yet.
How does the report show whether an Oakland County mortgage was paid off?
The Register of Deeds cross-references a recorded discharge to the mortgage it discharges. A mortgage with a cross-referenced discharge is shown as discharged; one without is shown as open of record. Mortgages of earlier owners with no discharge are listed separately, because a sale normally pays them off.
Where are property records kept in Troy, MI?
Recorded documents such as deeds, mortgages and liens are kept by the Oakland County Clerk / Register of Deeds. Owner and parcel data come from the Oakland County Property Gateway.
How much does a title search cost in Troy, MI?
A HeritageDeed report is $49, one flat price for the full search, plus sales tax where it applies. A report needs no subscription, and you get a full refund if we cannot deliver the report.
How long does a title search take in Troy, MI?
Most reports are generated within minutes, because the records are searched automatically and in parallel. The order page shows live progress.
Can I search Troy, MI property records for free?
The records are held by the county offices, including the Oakland County Clerk / Register of Deeds. A HeritageDeed report saves you the work of reading each office separately and matching every mortgage to its release yourself.
Order a Troy title search
AI title search, $49 per report. Usually ready in about a minute. Full refund if we can't deliver.