Sold
520 W Saratoga Street, Ferndale, MI 48220
Sold on 05/08/2026 for$360,000
MLS # 20261029538 (Realcomp)
3 beds2 baths2,372 sqftBuilt 19250.12 acres
1 / 41
Listing Description
Your dream home awaits - just 2 blocks from Downtown Ferndale! This classic bungalow offers a perfect blend of modern amenities & timeless charm. Enter a spacious living area bright with natural light and a wood burning fireplace. Highlights are the master suite, featuring a full bath & double closets and updated kitchen w/ granite countertops & stainless steel appliances. But that's not all! The sellers have added an insulated four-season room, complete with a new PTAC heating & cooling system to enjoy morning coffee or entertaining friends year-round. Step outside onto a large brick patio, (w/ French drains), and envision summer gatherings in your outdoor haven. Recent upgrades include new AC system (April 2025), new wood floors in 3 rooms (Nov. 2025), and plush new carpet (2026) - enhancing the appeal. Whole house is freshly painted w/ blown-in insulation to ensure energy efficiency & year-round comfort. New washer & dryer & an impressive list of upgrades, this home is truly move-in ready. Don’t miss the opportunity to make this your own and enjoy the best of Ferndale living just moments from your doorstep
Source: SparkMLS
About this home
This 3-bedroom, 2-bath, 2,372 sq ft home built in 1925 sits in Ferndale in Ferndale.
Final sale price: $360,000 (about $152/sq ft).
Property tax estimate: $4,590 per year ($383/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
Bedrooms3
Bathrooms2
Living Area2,372 sqft
Lot Size0.12 acres
Year Built1925
Stories2
Location
CityFerndale
MunicipalityFerndale City
Zip Code48220
CountyOakland
School DistrictFerndale
Construction & Systems
ConstructionAluminum Siding
BasementMichigan Basement
Garage1 space
HeatingForced Air
WaterPublic
SewerPublic
Sale & Financing
Listed4/28/2026
Sold Date5/7/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$4,590
State Equalized Value$163,450
Taxable Value$88,890
Parcel #2534104037
Source: Public Records
Legal Description
T1N, R11E, SEC 34 ELSINORE SUB LOT 41
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Cathy L Tishhouse
RE/MAX Showcase Homes
Frequently Asked Questions about 520 W Saratoga Street, Ferndale, MI 48220
What school district is 520 W Saratoga Street, Ferndale, MI 48220 in?
Per MLS# 20261029538, this property is served by Ferndale. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What financing options are available for 520 W Saratoga Street, Ferndale, MI 48220?
Per MLS# 20261029538, the seller has indicated this property accepts the following financing types: Cash, Conventional. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 20261029538, the most recent reported annual property tax for 520 W Saratoga Street, Ferndale, MI 48220 is $4,590. 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 520 W Saratoga Street, Ferndale, MI 48220 eligible for USDA financing?
Per USDA Rural Development boundary data, 520 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.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 520 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.
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Monthly payment$2,269
Principal & interest$2,269
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
520 W Saratoga Street, Ferndale, MI 48220
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Municipality
Ferndale
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County
Oakland County
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