Off Market
428 Girard Avenue, Royal Oak, MI 48073
$389,900
MLS # 20261033514 (Realcomp)
3 beds2 baths1,522 sqftBuilt 19480.31 acres
1 / 57
Listing Description
Welcome to this charming, move-in ready bungalow situated on an oversized lot with incredible potential! Ideally located just minutes from downtown Royal Oak’s vibrant dining, shopping, and entertainment, and within walking distance to Red Run Golf Club and nearby parks, this well-maintained home offers both convenience and opportunity.Enjoy a beautiful summer room overlooking a private backyard—perfect for relaxing or entertaining.The property is zoned multi-family, offering the possibility for redevelopment. Whether you choose to enjoy the home as-is or explore the option to tear down and build a duplex or lot split, the opportunities are there.With its generous lot size and flexible zoning, this is a rare find with both present value and future upside.Buyer and buyer’s agent to verify all zoning and building possibilities with the city. All measurements are approximate and not deemed guaranteed.BBTVAI
Source: SparkMLS
About this home
Located in Royal Oak in Royal Oak, this property offers 3-bedroom, 2-bath, 1,522 sq ft, with original construction dating to 1948.
Currently offered at $389,900 (about $256/sq ft).
Annual property taxes run approximately $7,332 ($611/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
Bedrooms3
Bathrooms2
Living Area1,522 sqft
Lot Size0.31 acres
Year Built1948
Stories2
Location
CityRoyal Oak
MunicipalityRoyal Oak City
Zip Code48073
CountyOakland
School DistrictCity of Royal Oak
Construction & Systems
ConstructionBrick, Vinyl Siding
BasementSlab
Garage2 spaces
HeatingRadiant
SewerPublic
Sale & Financing
Listed5/10/2026
Terms AcceptedCash, Conventional, FHA, VA Loan
Source: SparkMLS
Tax Information
Annual Tax$8,415
State Equalized Value$196,600
Taxable Value$123,420
Parcel #2510326076
Source: Public Records
Legal Description
T1N, R11E, SEC 10 ASSESSOR'S PLAT NO 39 W 80 FT OF E 150 FT OF LOTS 18 & 19
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Sana Brikho
St Jude Realty
Frequently Asked Questions about 428 Girard Avenue, Royal Oak, MI 48073
Which school district serves 428 Girard Avenue, Royal Oak, MI 48073?
Per MLS# 20261033514, 428 Girard Avenue, Royal Oak, MI 48073 is in the City of Royal Oak boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact City of Royal Oak directly to confirm enrollment eligibility.
Can I use FHA or VA financing for this property?
Per MLS# 20261033514, 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 428 Girard Avenue, Royal Oak, MI 48073?
Per public tax records, annual property taxes for this property are $8,415. 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, 428 Girard Avenue, Royal Oak, MI 48073 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 428 Girard Avenue, Royal Oak, MI 48073 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 428 Girard Avenue, Royal Oak, MI 48073?
Per Michigan Public Service Commission service territory data: Electric: DTE Electric Company. Gas: Consumers Energy Company. Sewer: 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$7,332
Monthly$611
Millage rate37.2947 mills
Municipality: CITY 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$3,140
Principal & interest$2,529
Property taxes$611
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
428 Girard Avenue, Royal Oak, MI 48073
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Municipality
Royal Oak
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County
Oakland County
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