Sold
454 W Saratoga Street, Ferndale, MI 48220
Sold on 07/14/2026 for$355,000
MLS # 20261043407 (Realcomp)
3 beds1 bath1,288 sqftBuilt 19250.11 acres
1 / 27
Listing Description
Just a few blocks from downtown Ferndale, this classic Dutch Colonial remodeled in 2017 delivers the perfect blend of character, charm, and everyday functionality. From the moment you step inside, you'll appreciate the warmth of the hardwood floors, timeless architectural details, freshly painted throughout, and inviting spaces designed for both relaxing and entertaining. The living room centers around a natural fireplace, while the dining area flows effortlessly into an updated kitchen with ample cabinetry, modern finishes, and room to gather. Upstairs, you'll find three comfortable bedrooms and a modern full bath, offering flexibility for homeowners, guests, or a dedicated work-from-home setup. Outside, the fully fenced backyard provides a private retreat with plenty of space to entertain, unwind, or enjoy Michigan summers. A large two-car garage adds convenience and additional storage. Located in one of Metro Detroit's most sought-after communities, you're literally minutes from Downtown Ferndale's award-winning restaurants like Little Ghost, coffee shops, nightlife, parks, and local events. A home with character. A location you'll love. A lifestyle that's hard to beat. UPDATES: HOT WATER TANK (2023), NEW BATHROOM (2024), NEW DECK (2024), FRESHLY PAINTED (2026)
Source: SparkMLS
About this home
Located in Ferndale in Ferndale, this property offers 3-bedroom, 1-bath, 1,288 sq ft, with original construction dating to 1925.
Final sale price: $355,000 (about $276/sq ft).
Estimated annual property tax: $5,907, or about $492 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
Bedrooms3
Bathrooms1
Living Area1,288 sqft
Lot Size0.11 acres
Year Built1925
Stories2
Location
CityFerndale
MunicipalityFerndale City
Zip Code48220
CountyOakland
School DistrictFerndale
Construction & Systems
ConstructionAluminum Siding
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
Sale & Financing
Listed6/9/2026
Sold Date7/13/2026
Terms AcceptedCash, Conventional, FHA, VA Loan
Source: SparkMLS
Tax Information
Annual Tax$5,907
State Equalized Value$146,220
Taxable Value$115,580
Parcel #2534104040
Source: Public Records
Legal Description
T1N, R11E, SEC 34 ELSINORE SUB LOT 44
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Tony Tran
Real Broker, LLC Troy
Frequently Asked Questions about 454 W Saratoga Street, Ferndale, MI 48220
Which school district serves 454 W Saratoga Street, Ferndale, MI 48220?
Per MLS# 20261043407, 454 W Saratoga 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.
Can I use FHA or VA financing for this property?
Per MLS# 20261043407, 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 454 W Saratoga Street, Ferndale, MI 48220?
Per public tax records, annual property taxes for this property are $5,907. 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, 454 W Saratoga 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 454 W Saratoga 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 454 W Saratoga 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$2,270
Principal & interest$2,270
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
454 W Saratoga Street, Ferndale, MI 48220
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Municipality
Ferndale
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County
Oakland County
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