Sold
561 W Saratoga Street, Ferndale, MI 48220
Sold on 07/10/2026 for$335,000
MLS # 20261044536 (Realcomp)
3 beds1 bath1,320 sqftBuilt 19240.14 acres
1 / 39
Listing Description
Rare opportunity to own a beautifully maintained bungalow just a 2-block walk from the heart of Downtown Ferndale. Enjoy easy access to downtown restaurants, shops, parks, grocery shopping, and nightlife while living on a quiet residential street.Major updates include a full roof replacement (2025), new gutters (2025), furnace and central air conditioning (2020), full sewer line replacement (2020), and removal of the lead water service line. Immaculately clean and freshly painted throughout, the home also features new kitchen and dining room light fixtures (2026), new exterior light fixtures (2026), freshly painted front porch railings (2026), a freshly painted basement floor, and a replaced laundry tub faucet (2026).This 3-bedroom, 1-bath home features a spacious loft bedroom with abundant closet space, newer ceiling fans, and a dedicated area ideal for a home office. Outside, you'll love the covered front porch, fully fenced backyard, large deck, and 2-car detached garage. The generously sized backyard is a rare find this close to Downtown Ferndale.A rare combination of major updates, outdoor space, and walkability in one of Ferndale's most desirable locations.
Source: SparkMLS
About this home
3-bedroom, 1-bath, 1,320 sq ft home in Ferndale in Ferndale built in 1924.
Closed at $335,000 (about $254/sq ft).
Estimated annual property tax: $6,747, or about $562 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 Area1,320 sqft
Lot Size0.14 acres
Year Built1924
Stories2
Location
CityFerndale
MunicipalityFerndale City
Zip Code48220
CountyOakland
School DistrictFerndale
Construction & Systems
ConstructionVinyl Siding
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
Sale & Financing
Listed6/14/2026
Sold Date7/9/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$6,747
State Equalized Value$148,030
Taxable Value$132,680
Parcel #2534106010
Source: Public Records
Legal Description
T1N, R11E, SEC 34 TENNYSON PARK SUB LOT 40
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Rebecca Daniels
RE/MAX Classic
Frequently Asked Questions about 561 W Saratoga Street, Ferndale, MI 48220
Which school district serves 561 W Saratoga Street, Ferndale, MI 48220?
Per MLS# 20261044536, 561 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.
What type of financing is accepted for this listing?
Per MLS# 20261044536, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 561 W Saratoga Street, Ferndale, MI 48220?
Per public tax records, annual property taxes for this property are $6,747. 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, 561 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 561 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 561 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
561 W Saratoga Street, Ferndale, MI 48220
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Municipality
Ferndale
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County
Oakland County
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