Sold
21395 GARDEN Lane, Ferndale, MI 48220
Sold on 12/13/2024 for$123,000
MLS # 20240080692 (Realcomp)
3 beds2 baths937 sqftBuilt 19630.11 acres
1 / 22
Listing Description
Charming brick ranch in Ferndale offers a cozy layout with three comfortable bedrooms and a welcoming living room with abundant natural light. The eat-in kitchen features classic wood cabinetry and plenty of counter space, perfect for everyday meals or casual gatherings. A standout feature is the finished basement, adding a spacious family room, built-in bar, and a convenient half bath, providing an ideal space for entertaining or relaxation. Outdoors, the fully fenced backyard is shaded by mature trees and includes a handy storage shed. Located on a quiet street close to downtown Ferndale’s shops, dining, and parks. Welcome Home!
Source: SparkMLS
About this home
Located in Royal Oak Township in Ferndale, this property offers 3-bedroom, 2-bath, 937 sq ft, with original construction dating to 1963.
Final sale price: $123,000 (about $131/sq ft).
Annual property taxes run approximately $1,517 ($126/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. Broadband is available with download speeds up to 1,200 Mbps from 8 providers.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms2
Living Area937 sqft
Lot Size0.11 acres
Year Built1963
Stories1
Location
CityFerndale
Zip Code48220
CountyOakland
School DistrictFerndale Public Schools
Construction & Systems
ConstructionBrick
HeatingForced Air
WaterPublic
SewerPublic
Sale & Financing
Listed10/29/2024
Sold Date12/12/2024
Terms AcceptedCash, Conventional, FHA, VA Loan
Source: SparkMLS
Tax Information
Annual Tax$1,273
State Equalized Value$40,670
Taxable Value$40,670
Parcel #2533303025
Source: Public Records
Legal Description
T1N, R11E, SEC 33 FOREST GROVE SUB NO 1 LOT 186
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Jim Shaffer
Good Company
Frequently Asked Questions about 21395 GARDEN Lane, Ferndale, MI 48220
Which school district serves 21395 GARDEN Lane, Ferndale, MI 48220?
Per MLS# 20240080692, 21395 GARDEN Lane, Ferndale, MI 48220 is in the Ferndale Public Schools boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Ferndale Public Schools directly to confirm enrollment eligibility.
What type of financing is accepted for this listing?
Per MLS# 20240080692, this listing accepts Cash, Conventional, FHA, VA Loan financing. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 21395 GARDEN Lane, Ferndale, MI 48220?
Per public tax records, annual property taxes for this property are $1,273. 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, 21395 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 21395 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 not currently available at 21395 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 21395 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$1,517
Monthly$126
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$937
Principal & interest$811
Property taxes$126
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Internet
Download
1.2 Gbps
Upload
50 Mbps
CableGSO SatelliteLicensed Fixed WirelessSatelliteDSL
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
21395 GARDEN Lane, Ferndale, MI 48220
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Municipality
Royal Oak Township
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County
Oakland County
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