Pending
521 E Chesterfield Street, Ferndale, MI 48220
$175,000
MLS # 20261043324 (Realcomp)
2 beds1 bath728 sqftBuilt 19410.12 acres
1 / 32
Listing Description
Ferndale's leading home seller presents this updated ranch that blends timeless character with recent improvements, offering a light-filled interior, two comfortable bedrooms, and a spacious fenced backyard just minutes from downtown Ferndale. Fresh siding added in 2026 and a mature shade tree out front give the home great curb appeal, while newer windows installed in 2025 keep the interior bright throughout. Step inside to a welcoming living room with hardwood floors, coved ceilings, and a charming arched passageway that nods to the home's classic roots. The flow continues into a generous eat-in kitchen featuring ample cabinet space, a decorative backsplash, a sunny window above the sink, and brand new flooring installed in 2026. Just off the kitchen, a convenient laundry room provides everyday ease along with access to the backyard. Down the hallway you will find two nice-sized bedrooms with hardwood floors that share a full bath, with one offering great flexibility as a home office or guest space. Out back, the large fenced yard is shaded by mature trees and includes a storage shed, leaving plenty of open green space to relax and entertain. Wonderfully located close to downtown Ferndale's shops, restaurants, and parks with easy access to main roads. Welcome Home!
Source: SparkMLS
About this home
2-bedroom, 1-bath, 728 sq ft home in Ferndale in Ferndale built in 1941.
Asking $175,000 (about $240/sq ft).
Annual property taxes run approximately $3,702 ($309/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
Bedrooms2
Bathrooms1
Living Area728 sqft
Lot Size0.12 acres
Year Built1941
Stories1
Location
CityFerndale
MunicipalityFerndale City
Zip Code48220
CountyOakland
School DistrictFerndale
Construction & Systems
ConstructionVinyl Siding
BasementCrawl Space
HeatingForced Air
WaterPublic
SewerPublic
Sale & Financing
Listed6/11/2026
Terms AcceptedCash, Conventional, FHA, VA Loan
Source: SparkMLS
Tax Information
Annual Tax$3,702
State Equalized Value$74,940
Taxable Value$70,760
Parcel #2535353045
Source: Public Records
Legal Description
T1N, R11E, SEC 35 FRANK GRIX SUB LOT 112
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Jim Shaffer
Good Company
Frequently Asked Questions about 521 E Chesterfield Street, Ferndale, MI 48220
Which school district serves 521 E Chesterfield Street, Ferndale, MI 48220?
Per MLS# 20261043324, 521 E Chesterfield 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 type of financing is accepted for this listing?
Per MLS# 20261043324, 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 521 E Chesterfield Street, Ferndale, MI 48220?
Per public tax records, annual property taxes for this property are $3,702. 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, 521 E Chesterfield 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 521 E Chesterfield 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 521 E Chesterfield 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$1,135
Principal & interest$1,135
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
521 E Chesterfield Street, Ferndale, MI 48220
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Municipality
Ferndale
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County
Oakland County
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