For Sale
440 W Saratoga Street, Ferndale, MI 48220
$299,900
MLS # 20261054074 (Realcomp)
2 beds2 baths1,394 sqftBuilt 19210.11 acres
1 / 33
Listing Description
Charming 1921 Craftsman ranch just moments from the heart of downtown Ferndale! This inviting 2-bedroom, 2-bath home blends timeless character with thoughtful updates, featuring beautiful hardwood floors, an updated kitchen with included appliances, and an updated main-floor bath. A spacious covered front porch provides the perfect spot to relax and enjoy the neighborhood, while the partially finished lower level offers a second full bathroom, laundry room and flexible space for a recreation room, home office, or guest accommodations. Both front and backyards showcase a thoughtfully assemble wild-type garden. Additional highlights include newer mini-split cooling, full basement for storage, a fenced backyard, and a 2-car detached garage. Situated on tree-lined Saratoga just blocks from Ferndale's vibrant restaurants, shops, parks, and entertainment, this home offers the perfect combination of classic charm and walkable convenience. Recent upgrades include all updated electrical (2020), Insulated attic (2020), Lead service line replaced with copper (2021), Pex Plumbing (2021), Automatic Garage opener (2022), Mini-split install (2022), Paver patio (2023), Gutters (2026), Furnace (2026), Heat pump refrigerant lines (2026).
Source: SparkMLS
About this home
This 2-bedroom, 2-bath, 1,394 sq ft home built in 1921 sits in Ferndale in Ferndale.
Listed at $299,900 (about $215/sq ft).
Estimated annual property tax: $6,599, or about $550 monthly. Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by DTE Electric Company; natural gas by Consumers Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms2
Bathrooms2
Living Area1,394 sqft
Lot Size0.11 acres
Year Built1921
Stories1
Location
CityFerndale
MunicipalityFerndale City
Zip Code48220
CountyOakland
School DistrictFerndale
Construction & Systems
ConstructionBrick, Wood Siding
BasementPartial
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
InteriorBasement Partially Finished
Sale & Financing
Listed7/13/2026
Terms AcceptedCash, Conventional, FHA
Source: SparkMLS
Tax Information
Annual Tax$6,599
State Equalized Value$139,030
Taxable Value$129,660
Parcel #2534104042
Source: Public Records
Legal Description
T1N, R11E, SEC 34 ELSINORE SUB LOT 46
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Brandon Griffith
Arterra Luxe Collection LLC
Frequently Asked Questions about 440 W Saratoga Street, Ferndale, MI 48220
What school district is 440 W Saratoga Street, Ferndale, MI 48220 in?
Per MLS# 20261054074, this property is served by Ferndale. 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# 20261054074, the seller has indicated this property accepts the following financing types: Cash, Conventional, FHA. 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# 20261054074, the most recent reported annual property tax for 440 W Saratoga Street, Ferndale, MI 48220 is $6,599. 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 440 W Saratoga Street, Ferndale, MI 48220 eligible for USDA financing?
Per USDA boundary maps, this property is located in a USDA-eligible area, which means qualified buyers may be able to finance with 0% down through the USDA Rural Development program. Confirm current eligibility directly with USDA.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 440 W Saratoga 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.
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
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Monthly payment$1,945
Principal & interest$1,945
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
440 W Saratoga Street, Ferndale, MI 48220
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Municipality
Ferndale
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County
Oakland County
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