For Sale
556 E Troy Street, Ferndale, MI 48220
$349,000
MLS # 20261051931 (Realcomp)
4 beds2 baths1,373 sqftBuilt 19230.12 acres
1 / 24
Listing Description
Tucked away on a quiet dead-end street, this 1923 Ferndale craftsman blends historical soul with high-end modern comforts. The home opens to reveal glowing, freshly refinished original oak hardwood floors that ground the character-rich living spaces. At the heart of the home, a renovated kitchen is dialed in for daily life with sleek stainless steel appliances and smart storage. The layout spans 4 bedrooms, 1 full bath, and 1 half bath, giving everyone room to spread out. Step outside to enjoy morning coffee on the large covered front porch, or head to the fully fenced-in backyard—a private, secure setup for dogs, kids, and summer weekend BBQs. Car buffs and hobbyists will love the big detached garage, which offers rare, massive workspace and storage potential for the area. Set in the tight-knit Little Farms neighborhood, you get the peace of zero through-traffic while being an easy walk or bike ride from Downtown Ferndale's legendary restaurants, breweries, and shops. With central air, Ferndale Public Schools, and instant access to Woodward, I-75, and I-696, this property delivers total turnkey convenience with local personality.
Source: SparkMLS
About this home
4-bedroom, 2-bath, 1,373 sq ft home in Ferndale in Ferndale built in 1923.
Asking $349,000 (about $254/sq ft).
Estimated annual property tax: $3,411, or about $284 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
Bedrooms4
Bathrooms2
Living Area1,373 sqft
Lot Size0.12 acres
Year Built1923
Stories2
Location
CityFerndale
MunicipalityFerndale City
Zip Code48220
CountyOakland
School DistrictFerndale
Construction & Systems
ConstructionVinyl Siding
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
Sale & Financing
Listed7/8/2026
Terms AcceptedCash, Conventional, FHA, VA Loan
Source: SparkMLS
Tax Information
Annual Tax$3,411
State Equalized Value$124,320
Taxable Value$47,330
Parcel #2534228039
Source: Public Records
Legal Description
T1N, R11E, SEC 34 THE LITTLE FARMS SUB E 1/2 OF LOT 224
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Avrohom Knopf
KW Domain
Frequently Asked Questions about 556 E Troy Street, Ferndale, MI 48220
Which school district serves 556 E Troy Street, Ferndale, MI 48220?
Per MLS# 20261051931, 556 E 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 556 E Troy Street, Ferndale, MI 48220?
Per MLS# 20261051931, 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 556 E Troy Street, Ferndale, MI 48220?
Per public tax records, annual property taxes for this property are $3,411. 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, 556 E Troy Street, Ferndale, MI 48220 is in an eligible area. USDA RD loans offer 0% down payment for qualified buyers. Verify current eligibility at the USDA eligibility site, as boundaries are updated periodically.
Is 556 E 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 556 E 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$2,264
Principal & interest$2,264
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
556 E Troy Street, Ferndale, MI 48220
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Municipality
Ferndale
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County
Oakland County
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