For Sale
441 W Troy Street, Ferndale, MI 48220
$379,000
MLS # 20261050267 (Realcomp)
4 beds2 baths1,794 sqftBuilt 19240.12 acres
1 / 23
Listing Description
Rare opportunity in the heart of Downtown Ferndale! Whether you're looking for a spacious single-family home with a private in-law suite, a multi-generational living setup, or an income-producing investment, this versatile property checks every box. Just steps from the shops, restaurants, and nightlife of Downtown Ferndale and only minutes from Downtown Royal Oak, the location simply can't be beat. The main level features 3 spacious bedrooms, an updated full bathroom, a beautifully renovated kitchen with granite countertops, stainless steel appliances, dedicated living and dining rooms, and the convenience of a newer stacked washer and dryer. Upstairs offers a completely separate living space with its own private entrance, making it ideal for guests, extended family, or rental income. This upper-level suite includes a bedroom, updated full bathroom, updated kitchen with granite countertops, newer stacked washer and dryer, and a private balcony overlooking the fully fenced backyard. The basement provides abundant storage with excellent potential for future finishing or additional living space. Outside, you'll find a detached 2.5-car garage, a fully fenced yard, and all the major mechanicals and roof in great condition, providing peace of mind for years to come. ** Carpet allowance is being offered **
Source: SparkMLS
About this home
Located in Ferndale in Ferndale, this property offers 4-bedroom, 2-bath, 1,794 sq ft, with original construction dating to 1924.
Listed at $379,000 (about $211/sq ft).
Annual property taxes run approximately $7,467 ($622/month). 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
Bedrooms4
Bathrooms2
Living Area1,794 sqft
Lot Size0.12 acres
Year Built1924
Stories2
Location
CityFerndale
MunicipalityFerndale City
Zip Code48220
CountyOakland
School DistrictFerndale
Construction & Systems
ConstructionVinyl Siding
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
Sale & Financing
Listed7/1/2026
Terms AcceptedCash, Conventional, FHA, VA Loan
Source: SparkMLS
Tax Information
Annual Tax$7,467
State Equalized Value$199,510
Taxable Value$105,220
Parcel #2534104012
Source: Public Records
Legal Description
T1N, R11E, SEC 34 ELSINORE SUB LOT 36
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Marcus Young
Brookstone, Realtors LLC
Frequently Asked Questions about 441 W Troy Street, Ferndale, MI 48220
Which school district serves 441 W Troy Street, Ferndale, MI 48220?
Per MLS# 20261050267, 441 W Troy Street, Ferndale, MI 48220 is in the Ferndale boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Ferndale directly to confirm enrollment eligibility.
What financing options are available for 441 W Troy Street, Ferndale, MI 48220?
Per MLS# 20261050267, 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 441 W Troy Street, Ferndale, MI 48220?
Per public tax records, annual property taxes for this property are $7,467. 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, 441 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.
Is 441 W Troy Street, 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 utilities serve 441 W Troy Street, 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.
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Monthly payment$2,458
Principal & interest$2,458
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
441 W Troy Street, Ferndale, MI 48220
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Municipality
Ferndale
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County
Oakland County
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