Sold
20863 Garden Lane, Ferndale, MI 48220
Sold on 07/11/2025 for$85,000
MLS # 20251008894 (Realcomp)
4 beds2 baths1,339 sqftBuilt 19200.11 acres
1 / 14
Listing Description
Opportunity knocks at 20863 Garden Lane, located in Royal Oak Township, only 20 minutes from Downtown Detroit. This cash-only, as-is property is a perfect fit for anyone looking to break into or expand in one of Metro Detroit’s most strategic locations.Tucked away on a quiet street but close to major freeways, this home offers incredible potential for renovation and resale or steady rental income. The area is seeing steady growth, and its close proximity to the city makes it attractive to renters and buyers alike.Add your vision to this blank canvas and take advantage of a property where the location alone does the heavy lifting. Whether you're rehabbing for profit or holding for cash flow, this is the kind of deal that doesn't come around often. Opportunities like this in such a prime location don’t last long!
Source: SparkMLS
About this home
Located in Royal Oak Township in Ferndale, this property offers 4-bedroom, 2-bath, 1,339 sq ft, with original construction dating to 1920.
This home sold for $85,000 (about $63/sq ft).
Property tax estimate: $1,233 per year ($103/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
Bedrooms4
Bathrooms2
Living Area1,339 sqft
Lot Size0.11 acres
Year Built1920
Stories2
Location
CityFerndale
Zip Code48220
CountyOakland
School DistrictFerndale
Construction & Systems
ConstructionAluminum Siding
BasementCrawl Space
HeatingForced Air
WaterPublic
SewerPublic
Sale & Financing
Listed6/17/2025
Sold Date7/10/2025
Terms AcceptedCash
Source: SparkMLS
Tax Information
Annual Tax$1,763
State Equalized Value$33,060
Taxable Value$23,000
Parcel #2533358021
Source: Public Records
Legal Description
T1N, R11E, SEC 33 FOREST GROVE SUB NO 1 LOT 216
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 20863 Garden Lane, Ferndale, MI 48220
Which school district serves 20863 Garden Lane, Ferndale, MI 48220?
Per MLS# 20251008894, 20863 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.
Can I use FHA or VA financing for this property?
Per MLS# 20251008894, this listing accepts Cash financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 20863 Garden Lane, Ferndale, MI 48220?
Per public tax records, annual property taxes for this property are $1,763. 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, 20863 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 20863 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 20863 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 20863 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$1,233
Monthly$103
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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%
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Monthly payment$654
Principal & interest$551
Property taxes$103
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
20863 Garden Lane, Ferndale, MI 48220
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Municipality
Royal Oak Township
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County
Oakland County
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