For Sale
6489 Shoreline Drive, Troy, MI 48085
$825,000
MLS # 20261047912 (Realcomp)
4 beds4 baths4,567 sqftBuilt 19950.25 acres
1 / 55
Listing Description
DON'T MAKE A MOVE WITHOUT experiencing lakefront living at its finest on beautiful Troy Lake! This impressive brick colonial offers 4 bedrooms, 3.1 baths, a 3-car side-entry garage, and a finished walkout basement designed for comfortable everyday living. A welcoming ceramic foyer leads to the spacious center-island kitchen featuring granite countertops, ceramic flooring, abundant cabinetry, and included appliances. The adjoining dining area opens to an expansive deck overlooking the lake, while the dramatic family room showcases soaring cathedral ceilings and a stunning floor-to-ceiling fireplace. A first-floor laundry room with built-in cabinetry, powder room, and generous living spaces complete the main level. Upstairs, the expansive primary suite offers a private retreat with a luxurious bath featuring a whirlpool tub, separate shower, and oversized walk-in closet with custom built-ins. Three additional spacious bedrooms, all with ceiling fans, and a full bath complete the second floor. The finished walkout lower level provides exceptional additional living space with French doors leading to the brick paver patio, a large recreation and family room, full bath, and a wet bar/second kitchen complete with refrigerator and electric stove—ideal for entertaining, hosting. Additional features include built-in speakers, security system, central air, humidifier, sump pump, natural gas forced-air heating, and two hot water tanks, including one new unit. Major updates include a new furnace, new central air, one new hot water tank, and a roof approximately 10 years old. Outside, enjoy professionally landscaped grounds with an irrigation system, an expansive deck, brick paver patio, a clean sandy beach, and spectacular waterfront views. Spend your summers kayaking, paddleboarding, fishing, swimming, or relaxing while taking in the peaceful setting. Conveniently located just minutes from premier golf courses, entertainment, hospitals, and award-winning Troy Schools.
Source: SparkMLS
About this home
This 4-bedroom, 4-bath, 4,567 sq ft home built in 1995 sits in Troy in Troy.
Listed at $825,000 (about $181/sq ft).
Estimated annual property tax: $16,735, or about $1,395 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
Bathrooms4
Living Area4,567 sqft
Lot Size0.25 acres
Year Built1995
Stories2
Location
CityTroy
MunicipalityCity of Troy
Zip Code48085
CountyOakland
School DistrictTroy
Construction & Systems
ConstructionAluminum Siding, Brick
BasementWalk-Out Access
Garage3.5 spaces
HeatingForced Air
WaterPublic
SewerPublic
InteriorBasement Finished, Security System
Sale & Financing
Listed7/1/2026
Terms AcceptedCash, Conventional, FHA, VA Loan
HOA
HOA Fee$395 / Annually
IncludesLawn/Yard Care
Source: SparkMLS
Tax Information
Annual Tax$16,735
State Equalized Value$358,650
Taxable Value$271,850
Parcel #2001151026
Source: Public Records
Legal Description
T2N, R11E, SEC 1 TROY LAKE ESTATES LOT 22 4-11-94 FR 004
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Caron Koteles Riha
Real Estate One-Rochester
Frequently Asked Questions about 6489 Shoreline Drive, Troy, MI 48085
What school district is 6489 Shoreline Drive, Troy, MI 48085 in?
Per MLS# 20261047912, this property is served by Troy. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What type of financing is accepted for this listing?
Per MLS# 20261047912, 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# 20261047912, the most recent reported annual property tax for 6489 Shoreline Drive, Troy, MI 48085 is $16,735. 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 6489 Shoreline Drive, Troy, MI 48085 eligible for USDA financing?
Per USDA boundary maps, this property is located in a USDA-eligible area, which means qualified buyers may be able to finance with 0% down through the USDA Rural Development program. Confirm current eligibility directly with USDA.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 6489 Shoreline Drive, Troy, MI 48085 is in flood zone X (minimal risk). Flood insurance is not typically required in this zone but may still be advisable. 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. Water: 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$5,384
Principal & interest$5,351
HOA$33
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
6489 Shoreline Drive, Troy, MI 48085
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Municipality
Troy
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County
Oakland County
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