Sold
420 W TROY Street, Ferndale, MI 48220
Sold on 04/30/2025 for$385,000
MLS # 20250020503 (Realcomp)
3 beds2 baths1,813 sqftBuilt 19980.12 acres
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Listing Description
PLEASE SUBMIT FINAL OFFERS BY MONDAY, APRIL 14TH BY 2PM. Welcome home to 420 W. Troy Street in fabulous Downtown Ferndale! This cutie offers 3 bedrooms, 1.5 baths, first floor laundry, two car garage, stainless steel appliances, partially finished basement and wood floors throughout the first floor. Huge front windows let in an abundance of natural light, giving the living room a bright and airy vibe. Speaking of windows, you'll love that the Majic Fiberglass windows installed in 2021 come with a 50 year transferable warranty! The primary bedroom boasts vaulted ceilings and a large double closet. With blackout blinds in all bedrooms, everyone is bound to rest easy. The upstairs bathroom offers two sinks for the whole crew to utilize and new Kohler toilets were installed in 2018. Enjoy your lush green lawn (thank you built in sprinklers) from your sizable composite deck installed in 2020. Privacy compliments of the fence installed in 2021! Feel like indulging in all the wonderful amenities of Downtown Ferndale? No car needed! Just step through the fence door (accessible only from the yard) at the back of the property and you are there! Additional updates that will give you peace of mind and add immense value include; dishwasher (2023), fence (2021), furnace (2019), water heater (2019), sump pump (2019), A/C (2015), Roof (2015). Come check out the house that blends a downtown lifestyle with the peace of a suburban neighborhood.
Source: SparkMLS
About this home
Located in Ferndale in Ferndale, this property offers 3-bedroom, 2-bath, 1,813 sq ft, with original construction dating to 1998.
This home sold for $385,000 (about $212/sq ft).
Estimated annual property tax: $8,762, or about $730 monthly. Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Fiber internet is available at this address with download speeds up to 5,000 Mbps across 10 providers. Electric service is provided by DTE Electric Company; natural gas by Consumers Energy Company.
Tour
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms2
Living Area1,813 sqft
Lot Size0.12 acres
Year Built1998
Stories2
Location
CityFerndale
MunicipalityFerndale City
Zip Code48220
CountyOakland
School DistrictFerndale
Construction & Systems
ConstructionVinyl Siding
BasementPartial
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
InteriorBasement Partially Finished
Sale & Financing
Listed4/7/2025
Sold Date4/29/2025
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$8,762
State Equalized Value$202,680
Taxable Value$176,860
Parcel #2534102049
Source: Public Records
Legal Description
T1N, R11E, SEC 34 ELSINORE SUB LOT 15 11-13-97 FR 036
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Abby Kushner
@properties Christie's Int'l R.E. Birmingham
Frequently Asked Questions about 420 W TROY Street, Ferndale, MI 48220
What school district is 420 W TROY Street, Ferndale, MI 48220 in?
Per MLS# 20250020503, this property is served by Ferndale. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What type of financing is accepted for this listing?
Per MLS# 20250020503, 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# 20250020503, the most recent reported annual property tax for 420 W TROY Street, Ferndale, MI 48220 is $8,762. 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 420 W TROY Street, Ferndale, MI 48220 eligible for USDA financing?
Per USDA Rural Development boundary data, 420 W TROY Street, 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.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 420 W TROY Street, Ferndale, MI 48220 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.
Is fiber internet available at 420 W TROY Street, Ferndale, MI 48220?
Per FCC broadband data, this property has access to fiber internet service. The maximum advertised download speed is 5.0 Gbps. 10 internet providers serve this address. Confirm availability and speeds directly with providers.
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.
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Monthly payment$2,497
Principal & interest$2,497
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Internet
FiberDownload
5 Gbps
Upload
5 Gbps
FiberCableLicensed Fixed WirelessGSO SatelliteSatelliteDSL
10 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
420 W TROY Street, Ferndale, MI 48220
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Municipality
Ferndale
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County
Oakland County
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