Sold
981 COTTAGE, Troy, MI 48085
Sold on 07/10/2026 for$601,000
MLS # 20261042040 (Realcomp)
3 beds3 baths2,685 sqftBuilt 20240 acres
1 / 45
Listing Description
Welcome to one of Troy’s latest easy living condominiums. Built in 2024 but better than new thanks to the many upgrades that have been integrated. 981 Cottage Ln is a famiily-style layout offering an open floor plan from the kitchen to the great room to the dining area. Gorgeous kitchen with quartz counters has been further upgraded with most appliances being brand new. Added bonus: a reverse osmosis water line has been added to the refrigerator. The primary suite is on the entry level AND a second bedroom is on the entry level. Upstairs is a third bedroom and an open office, that could be converted to a fourth bedroom if desired. You will appreciate plenty of California closet systems throughout the home completing all of your storage needs. Additional benefits such as built-in soap dispensers, Toto soft close non-clogging toilets in all bathrooms, and a dual security bolted safe in primary closet. The entry level family bath was recently remodeled and includes a walk-in shower with stain-resistant euro glass door. The media room in the lower level was sound-proofed, and the wiring is complete and ready for action. Peace of mind comes from a new water softener in 2025, whole house humidifier in 2025, whole house surge protector and frost-free faucets on exterior. Your friends will have garage envy over the Poly-aspartic epoxy on garage floor with 10-year warranty, California cabinets for secure storage, mounted slat organization panels and bicycle tire racks. Even a WIFI-enabled garage door opener! All of this located in the popular Troy High School boundary. Easy access to I-75, Somerset Mall, 5 Star restaurants and less than a mile from grocery stores! Lower level refrigerator is excluded.
Source: SparkMLS
About this home
3-bedroom, 3-bath, 2,685 sq ft home in Troy in Troy built in 2024.
Final sale price: $601,000 (about $224/sq ft).
Property tax estimate: $10,266 per year ($856/month). 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 SubtypeCondominium
Bedrooms3
Bathrooms3
Living Area2,685 sqft
Year Built2024
Stories2
Location
CityTroy
MunicipalityCity of Troy
Zip Code48085
CountyOakland
School DistrictTroy
Construction & Systems
ConstructionBrick, Vinyl Siding
BasementDaylight
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
InteriorBasement Finished, Basement Plumbed for Bath, Humidifier
Sale & Financing
Listed6/8/2026
Sold Date7/9/2026
Terms AcceptedCash, Conventional
HOA
HOA Fee$350 / Monthly
IncludesLawn/Yard Care, Snow Removal, Trash
Source: SparkMLS
Tax Information
Annual Tax$10,266
State Equalized Value$282,780
Taxable Value$282,780
Parcel #2010478014
Source: Public Records
Legal Description
T2N,R11E, SEC 10 OAKLAND COUNTY CONDOMINIUM PLAN NO 2298 MIDTOWN CROSSING UNIT 14 L5391 P510 4-14-20 FR 476-041 & 066
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Donna Sanford
Brookstone, Realtors LLC
Frequently Asked Questions about 981 COTTAGE, Troy, MI 48085
What school district is 981 COTTAGE, Troy, MI 48085 in?
Per MLS# 20261042040, this property is served by Troy. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What financing options are available for 981 COTTAGE, Troy, MI 48085?
Per MLS# 20261042040, the seller has indicated this property accepts the following financing types: Cash, Conventional. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 20261042040, the most recent reported annual property tax for 981 COTTAGE, Troy, MI 48085 is $10,266. 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 981 COTTAGE, Troy, MI 48085 eligible for USDA financing?
Per USDA Rural Development boundary data, 981 COTTAGE, 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, 981 COTTAGE, 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.
Map
Mortgage Calculator
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Monthly payment$4,242
Principal & interest$3,892
HOA$350
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
981 COTTAGE, Troy, MI 48085
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Municipality
Troy
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County
Oakland County
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