Sold
436 Girard Avenue, Royal Oak, MI 48073
Sold on 02/10/2026 for$635,000
MLS # 20251037061 (Realcomp)
4 beds3 baths3,194 sqftBuilt 19460.88 acres
1 / 42
Listing Description
Don't miss this rare opportunity to live on an almost acre estate in Royal Oak! This sprawling ranch feels like you're miles away from the hustle and bustle of city life. All it needs is a family to start making new memories. Enjoy the charm of a covered front porch and the privacy of the spacious yard. Backyard has fully powered workshop. Play in the yard or relax on the deck & patio. Lifetime vinyl shaker-style shingles. Brick paver driveway and back patio. Newer 3 dimensional roof. Newer electrical and plumbing. Full house generator. Updated windows. Gas fireplace. Inside, discover endless opportunities to customize and make it your own. Unique upper loft area with the potential for being an office, library, workout area etc. Stunning maple floors throughout. 4 bedrooms and 3 full bathrooms. Updated kitchen and bathes. An abundance of natural light flows throughout the home. This one is special. Come check it out today!
Source: SparkMLS
About this home
This 4-bedroom, 3-bath, 3,194 sq ft home built in 1946 sits in Royal Oak in Royal Oak.
Closed at $635,000 (about $199/sq ft).
Property tax estimate: $13,055 per year ($1,088/month). Estimate is based on county assessor records and current millage rates; actual tax may vary with PRE status and recent assessment changes.
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.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms3
Living Area3,194 sqft
Lot Size0.88 acres
Year Built1946
Stories1
Location
CityRoyal Oak
MunicipalityRoyal Oak City
Zip Code48073
CountyOakland
School DistrictCity of Royal Oak
Construction & Systems
ConstructionVinyl Siding
BasementCrawl Space, Slab
Garage1.5 spaces
HeatingForced Air, Radiant
WaterPublic
SewerPublic
Sale & Financing
Listed9/15/2025
Sold Date2/9/2026
Terms AcceptedCash, Conventional, FHA, VA Loan
Source: SparkMLS
Tax Information
Annual Tax$6,587
State Equalized Value$350,060
Taxable Value$153,510
Parcel #2510326009
Source: Public Records
Legal Description
T1N, R11E, SEC 10 ASSESSOR'S PLAT NO 39 LOT 17
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Tye Otto
Otto Family Properties LLC
Frequently Asked Questions about 436 Girard Avenue, Royal Oak, MI 48073
What school district is 436 Girard Avenue, Royal Oak, MI 48073 in?
Per MLS# 20251037061, this property is served by City of Royal Oak. In Michigan, school district boundaries are set by the state and do not always follow city limits.
Can I use FHA or VA financing for this property?
Per MLS# 20251037061, the seller has indicated this property accepts the following financing types: Cash, Conventional, FHA, VA Loan. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 20251037061, the most recent reported annual property tax for 436 Girard Avenue, Royal Oak, MI 48073 is $6,587. 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 436 Girard Avenue, Royal Oak, MI 48073 eligible for USDA financing?
Per USDA Rural Development boundary data, 436 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.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 436 Girard Avenue, Royal Oak, MI 48073 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 436 Girard Avenue, Royal Oak, MI 48073?
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.
Map
Tax Estimate
$
Annual tax$13,055
Monthly$1,088
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$5,622
Principal & interest$4,534
Property taxes$1,088
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
436 Girard Avenue, Royal Oak, MI 48073
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Municipality
Royal Oak
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County
Oakland County
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