Sold
20817 Garden Lane, Ferndale, MI 48220
Sold on 08/08/2025 for$77,000
MLS # 20251012172 (Realcomp)
2 beds1 bath725 sqftBuilt 19250.11 acres
1 / 15
Listing Description
Tucked away on a quiet residential street, this beautifully renovated home offers a perfect mix of modern updates, smart layout, and unbeatable location. 20817 Garden Lane is move-in ready and zoned for desirable Ferndale Schools, with quick access to Downtown Detroit, Ferndale, Royal Oak, and major freeways.Step inside to discover a bright and welcoming interior featuring fresh paint, brand-new flooring throughout and fresh finishes that provide a clean, contemporary feel. The open layout flows effortlessly, ideal for both relaxing and entertaining.Outside, enjoy a 1-car detached garage and a spacious yard with room to make it your own. Immediate occupancy available, perfect for buyers ready to settle in without delay.This as-is property presents incredible value in an area seeing continued growth and revitalization. Whether you're a first-time buyer or wanting to add to your portfolio, this one is not to be missed.
Source: SparkMLS
About this home
Located in Royal Oak Township in Ferndale, this property offers 2-bedroom, 1-bath, 725 sq ft, with original construction dating to 1925.
Closed at $77,000 (about $106/sq ft).
Property tax estimate: $942 per year ($79/month). Estimate is based on county assessor records and current millage rates; actual tax may vary with PRE status and recent assessment changes.
Electric service is provided by DTE Electric Company; natural gas by Consumers Energy Company. Fiber internet is available at this address with download speeds up to 1,200 Mbps across 8 providers.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms2
Bathrooms1
Living Area725 sqft
Lot Size0.11 acres
Year Built1925
Stories1
Location
CityFerndale
MunicipalityRoyal Oak City
Zip Code48220
CountyOakland
School DistrictFerndale
Construction & Systems
ConstructionAluminum Siding
BasementCrawl Space
Garage1 space
HeatingForced Air
WaterPublic
SewerPublic
Sale & Financing
Listed7/9/2025
Sold Date8/7/2025
Original Price$110,000
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$1,185
State Equalized Value$25,250
Taxable Value$13,980
Parcel #2533358026
Source: Public Records
Legal Description
T1N, R11E, SEC 33 FOREST GROVE SUB NO 1 LOT 221
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Brittany Schreck
Quest Realty LLC
Frequently Asked Questions about 20817 Garden Lane, Ferndale, MI 48220
Which school district serves 20817 Garden Lane, Ferndale, MI 48220?
Per MLS# 20251012172, 20817 Garden Lane, Ferndale, MI 48220 is in the Ferndale boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Ferndale directly to confirm enrollment eligibility.
What financing options are available for 20817 Garden Lane, Ferndale, MI 48220?
Per MLS# 20251012172, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 20817 Garden Lane, Ferndale, MI 48220?
Per public tax records, annual property taxes for this property are $1,185. 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.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 20817 Garden Lane, Ferndale, MI 48220 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.
Is 20817 Garden Lane, Ferndale, MI 48220 in a flood zone?
Per FEMA flood maps, this property is designated as Zone X, a minimal-risk flood area. 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.
What internet service is available at this address?
Per FCC Broadband Data Collection filings, fiber internet is available at 20817 Garden Lane, Ferndale, MI 48220. The maximum advertised download speed is 1.2 Gbps. 8 internet providers serve this address. Confirm availability and speeds directly with providers.
What utilities serve 20817 Garden Lane, Ferndale, MI 48220?
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.
What is the crime rate in this area?
For crime and public safety data, we recommend inquiring directly with the source. Oakland County is served by CLEMIS (Courts and Law Enforcement Management Information System), which provides public safety data for Southeast Michigan law enforcement agencies.
Map
Tax Estimate
$
Annual tax$942
Monthly$79
Millage rate37.2947 mills
Municipality: CHARTER TOWNSHIP OF ROYAL OAK
School district: FERNDALE CITY SCHOOL DIST
County: Oakland
Estimate based on SEV for a new buyer (taxable value resets to SEV on transfer). Actual taxes may vary. MI Treasury PT Estimator
Mortgage Calculator
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Monthly payment$597
Principal & interest$519
Property taxes$79
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Internet
FiberDownload
1.2 Gbps
Upload
1 Gbps
CableFiberLicensed Fixed WirelessGSO SatelliteSatellite
8 providers at this address
FCC Broadband Data Collection (Dec 2025). Max advertised speeds.
Utilities
DTE Electric Company
Investor-Owned
Consumers Energy Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
20817 Garden Lane, Ferndale, MI 48220
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Municipality
Royal Oak Township
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County
Oakland County
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