Sold
643 Spencer Street, Ferndale, MI 48220
Sold on 09/08/2025 for$265,000
MLS # 20251011747 (Realcomp)
3 beds2 baths1,925 sqftBuilt 19260.19 acres
1 / 37
Listing Description
Charming 3-Bed, 2-Bath Home on a Rare Oversized Lot in FerndaleThis 3-bedroom, 2-bath home offers a great opportunity to add your personal touch and make it truly your own. Situated on a generously sized lot—a rare find in Ferndale—this property provides plenty of outdoor space for gardening, entertaining, or future expansion.Step inside to a bright and open-concept living and dining area, perfect for everyday living and hosting guests. The living room features a beautiful stone fireplace that adds warmth and character to the space. The home also includes a practical layout with three comfortable bedrooms and two full baths.While it could use a bit of cosmetic updating, the strong bones and excellent layout offer great potential. Whether you’re looking for space to grow or a home you can customize over time, this property is a solid choice with plenty of upside.
Source: SparkMLS
About this home
This 3-bedroom, 2-bath, 1,925 sq ft home built in 1926 sits in Ferndale in Ferndale.
This home sold for $265,000 (about $138/sq ft).
Annual property taxes run approximately $10,233 ($853/month). Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Fiber internet is available at this address with download speeds up to 1,200 Mbps across 9 providers. 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 Area1,925 sqft
Lot Size0.19 acres
Year Built1926
Stories2
Location
CityFerndale
MunicipalityFerndale City
Zip Code48220
CountyOakland
School DistrictFerndale
Construction & Systems
ConstructionAluminum Siding, Other
BasementPartial
Garage1.5 spaces
HeatingBaseboard, Hot Water
SewerPublic
InteriorBasement Partially Finished
Sale & Financing
Listed6/26/2025
Sold Date9/7/2025
Original Price$287,000
Terms AcceptedCash, Conventional, FHA, VA Loan
Source: SparkMLS
Tax Information
Annual Tax$10,233
State Equalized Value$162,150
Taxable Value$151,050
Parcel #2535306050
Source: Public Records
Legal Description
T1N, R11E, SEC 35 HUGO SCHERER'S SUB LOTS 204 & 205, 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 Matthew Bazner
Max Broock, REALTORS-Royal Oak
Frequently Asked Questions about 643 Spencer Street, Ferndale, MI 48220
What school district is 643 Spencer Street, Ferndale, MI 48220 in?
Per MLS# 20251011747, this property is served by Ferndale. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What type of financing is accepted for this listing?
Per MLS# 20251011747, the seller has indicated this property accepts the following financing types: Cash, Conventional, FHA, VA Loan. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 20251011747, the most recent reported annual property tax for 643 Spencer Street, Ferndale, MI 48220 is $10,233. 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 643 Spencer Street, Ferndale, MI 48220 eligible for USDA financing?
Per USDA Rural Development boundary data, 643 Spencer 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, 643 Spencer 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.
Is fiber internet available at 643 Spencer Street, Ferndale, MI 48220?
Per FCC broadband data, this property has access to fiber internet service. The maximum advertised download speed is 1.2 Gbps. 9 internet providers serve this address. Confirm availability and speeds directly with providers.
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. 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.
Map
Mortgage Calculator
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Monthly payment$1,797
Principal & interest$1,797
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Internet
FiberDownload
1.2 Gbps
Upload
1 Gbps
CableFiberGSO SatelliteSatelliteLicensed Fixed WirelessDSL
9 providers at this address
FCC Broadband Data Collection (Dec 2025). Max advertised speeds.
Utilities
DTE Electric Company
Investor-Owned
Consumers Energy Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
643 Spencer Street, Ferndale, MI 48220
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Municipality
Ferndale
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County
Oakland County
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