Pending
540 W Breckenridge Street, Ferndale, MI 48220
$400,000
MLS # 20261042823 (Realcomp)
3 beds2 baths1,831 sqftBuilt 19360.17 acres
1 / 52
Listing Description
***All Offers Due: Monday, June 22, at 12:00pm***Open house! Saturday, June 20th from 12pm-2pm. Ferndale's leading home seller presents this inviting Cape Cod bungalow with a spacious open floor plan, an updated kitchen, and a large primary suite, all set on a private lot. A covered front porch framed by lush garden beds welcomes you inside to a bright living room with hardwood floors, crown molding, and a cozy gas fireplace. The living room flows back to a dining area with matching hardwood floors and glass doors that open to the back patio, creating an easy layout for gatherings. The updated kitchen offers stainless steel appliances, a tile backsplash, tile flooring, and plenty of cabinet space, all brightened by a window over the sink. A main-floor bedroom with hardwood floors and a full bath sit just down the hallway. Upstairs you will find two bedrooms, including a generous primary suite with a vaulted ceiling and a walk-in closet, that share a beautifully renovated full bath featuring a double vanity and a spacious glass walk-in shower. The partially finished basement adds a great bonus entertainment space plus the laundry area and extra storage. Outside, the big private backyard shines with an expansive patio, a detached two-car garage, and mature trees for shade. Located just a short walk to downtown Ferndale and Geary Park. Welcome Home!
Source: SparkMLS
About this home
This 3-bedroom, 2-bath, 1,831 sq ft home built in 1936 sits in Ferndale in Ferndale.
Listed at $400,000 (about $218/sq ft).
Annual property taxes run approximately $8,962 ($747/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 Area1,831 sqft
Lot Size0.17 acres
Year Built1936
Stories2
Location
CityFerndale
MunicipalityFerndale City
Zip Code48220
CountyOakland
School DistrictFerndale
Construction & Systems
ConstructionBrick
BasementPartial
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
InteriorBasement Partially Finished
Sale & Financing
Listed6/11/2026
Terms AcceptedCash, Conventional, FHA, VA Loan
Source: SparkMLS
Tax Information
Annual Tax$8,962
State Equalized Value$177,710
Taxable Value$177,710
Parcel #2527353026
Source: Public Records
Legal Description
T1N, R11E, SEC 27 WOODWARD HTS SUB LOT 317, ALSO 1/2 OF VAC ALLEY ADJ TO SAME
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 540 W Breckenridge Street, Ferndale, MI 48220
Which school district serves 540 W Breckenridge Street, Ferndale, MI 48220?
Per MLS# 20261042823, 540 W Breckenridge 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 540 W Breckenridge Street, Ferndale, MI 48220?
Per MLS# 20261042823, 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 540 W Breckenridge Street, Ferndale, MI 48220?
Per public tax records, annual property taxes for this property are $8,962. 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, 540 W Breckenridge 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 540 W Breckenridge 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 540 W Breckenridge 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$2,594
Principal & interest$2,594
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
540 W Breckenridge Street, Ferndale, MI 48220
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Municipality
Ferndale
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County
Oakland County
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