Sold
6378 Emerald Lake Drive, Troy, MI 48085
Sold on 07/02/2026 for$515,000
MLS # 20261015594 (Realcomp)
4 beds2 baths2,500 sqftBuilt 19690.24 acres
1 / 51
Listing Description
BACK ON MARKET. PREVIOUS OFFER FELL THROUGH DUE TO BUYER FINACING. Stunning Pebble Lake waterfront in sought-after Emerald Lakes Village! Enjoy serene mornings with rippling water views and year-round recreation—swimming, fishing, boating (non-motorized), and ice skating. This well-maintained 4-bedroom, 2-bath quad-level offers nearly 2,000 sq. ft. above grade with beautiful lake views and refinished hardwood floors. UPDATED ELECTRICAL system 4/2026. This vacation like home boasts large windows throughout the home allowing welcoming natural light and views. The walkout lower level has additional 4th bedroom with a connected full bath featuring granite counter tops. This living space opens to a spacious two-tiered patio, perfect for entertaining. Family room features a fireplace (gas prepped) and access to a natural gas grill. Updated kitchen with oak cabinets, granite countertops, and stainless-steel appliances. Primary suite with granite bath, plus two additional bedrooms. Beautifully refinished hardwood floors in all bedrooms, living room, dining room halls and stairways. Finished basement is freshly painted and could be utilized as a game/theater room, dry bar, and workshop. Mature trees, 6-zone sprinkler system, and 103 ft of frontage on one of SE Michigan’s cleanest lakes. Brand new exterior shutters, Low $250 HOA. HOME WARRANTY included. Troy Schools, and close to Somerset, downtown Rochester, and Troy Beaumont. The perfect blend comfort, convenience, and lakefront living.
Source: SparkMLS
About this home
4-bedroom, 2-bath, 2,500 sq ft home in Troy in Troy built in 1969.
This home sold for $515,000 (about $206/sq ft).
Estimated annual property tax: $5,898, or about $492 monthly. Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by DTE Electric Company; natural gas by Consumers Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms2
Living Area2,500 sqft
Lot Size0.24 acres
Year Built1969
Stories4
Location
CityTroy
MunicipalityCity of Troy
Zip Code48085
CountyOakland
School DistrictTroy
Construction & Systems
ConstructionAluminum Siding, Brick
Garage2.5 spaces
HeatingForced Air
SewerPublic
InteriorBasement Finished
Sale & Financing
Listed3/10/2026
Sold Date7/1/2026
Terms AcceptedCash, Conventional, FHA, VA Loan
HOA
HOA Fee$250 / Annually
Source: SparkMLS
Tax Information
Annual Tax$5,898
State Equalized Value$201,050
Taxable Value$163,000
Parcel #2002402003
Source: Public Records
Legal Description
T2N, R11E, SEC 2 EMERALD LAKES VILLAGE NO. 3 LOT 120
Property Records
FEMA Flood Zone: Zone A — 100-year floodplain (no base flood elevation)
Flood insurance required for federally backed mortgages
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Ann E Lukacsy
LPT Realty, LLC
Frequently Asked Questions about 6378 Emerald Lake Drive, Troy, MI 48085
What school district is 6378 Emerald Lake Drive, Troy, MI 48085 in?
Per MLS# 20261015594, this property is served by Troy. In Michigan, school district boundaries are set by the state and do not always follow city limits.
Can I use FHA or VA financing for this property?
Per MLS# 20261015594, the seller has indicated this property accepts the following financing types: Cash, Conventional, FHA, VA Loan. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 20261015594, the most recent reported annual property tax for 6378 Emerald Lake Drive, Troy, MI 48085 is $5,898. Michigan property taxes are based on a property's taxable value multiplied by the local millage rate. Primary residences qualify for a homestead exemption that lowers the rate.
Is 6378 Emerald Lake Drive, Troy, MI 48085 eligible for USDA financing?
Per USDA Rural Development boundary data, 6378 Emerald Lake Drive, Troy, MI 48085 is not in an eligible area. USDA eligibility is based on property location — properties within designated urban zones are excluded. Other low-down-payment options (FHA, VA) may still be available.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 6378 Emerald Lake Drive, Troy, MI 48085 is in flood zone A (high risk). Flood insurance is required for federally-backed mortgages in this zone. FEMA flood maps are updated periodically — verify the current designation at msc.fema.gov.
Who are the utility providers for this property?
Per Michigan Public Service Commission service territory data: Electric: DTE Electric Company. Gas: Consumers Energy Company. Sewer: Public. Confirm service details directly with providers.
How safe is this area?
Per our practice, crime and safety data should be obtained directly from the authoritative source. Oakland County law enforcement agencies participate in CLEMIS (Courts and Law Enforcement Management Information System) for public safety records.
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Mortgage Calculator
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Monthly payment$3,452
Principal & interest$3,431
HOA$21
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
DTE Electric Company
Investor-Owned
Consumers Energy Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
6378 Emerald Lake Drive, Troy, MI 48085
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Municipality
Troy
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County
Oakland County
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