For Sale
21385 Garden Lane, Ferndale, MI 48220
$99,000
MLS # 20261037540 (Realcomp)
2 beds1 bath1,023 sqftBuilt 19410.1 acres
1 / 2
Listing Description
Great home ready for new owner to renovate.
Source: SparkMLS
About this home
2-bedroom, 1-bath, 1,023 sq ft home in Royal Oak Township in Ferndale built in 1941.
Currently offered at $99,000 (about $97/sq ft).
Annual property taxes run approximately $1,106 ($92/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.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms2
Bathrooms1
Living Area1,023 sqft
Lot Size0.1 acres
Year Built1941
Stories1
Location
CityFerndale
MunicipalityRoyal Oak City
Zip Code48220
CountyOakland
School DistrictFerndale
Construction & Systems
ConstructionVinyl Siding
BasementSlab
Sale & Financing
Listed5/21/2026
Original Price$110,000
Terms AcceptedCash
Source: SparkMLS
Tax Information
Annual Tax$2,129
State Equalized Value$29,660
Taxable Value$14,860
Parcel #2533303026
Source: Public Records
Legal Description
T1N, R11E, SEC 33 FOREST GROVE SUB NO 1 LOT 187
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Benjamin Margolis
KW Domain
Frequently Asked Questions about 21385 Garden Lane, Ferndale, MI 48220
Which school district serves 21385 Garden Lane, Ferndale, MI 48220?
Per MLS# 20261037540, 21385 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 21385 Garden Lane, Ferndale, MI 48220?
Per MLS# 20261037540, this listing accepts Cash financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 21385 Garden Lane, Ferndale, MI 48220?
Per public tax records, annual property taxes for this property are $2,129. 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, 21385 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 21385 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 utilities serve 21385 Garden Lane, Ferndale, MI 48220?
Per Michigan Public Service Commission service territory data: Electric: DTE Electric Company. Gas: Consumers Energy Company. 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$1,106
Monthly$92
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
$
%
$
$
$
Monthly payment$734
Principal & interest$642
Property taxes$92
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
21385 Garden Lane, Ferndale, MI 48220
View full property history →
Municipality
Royal Oak Township
View all listings →
County
Oakland County
View county overview →
Get email alerts for new listings near 21385 Garden Lane
We'll notify you when something hits the market in Royal Oak Township or nearby.
Munro Real Estate · MI Broker #6502405404 · No spam, one-click unsubscribe.