Sold
764 Spencer Street, Ferndale, MI 48220
Sold on 01/09/2026 for$175,000
MLS # 20251057177 (Realcomp)
3 beds2 baths1,122 sqftBuilt 19260.09 acres
1 / 41
Listing Description
Charming updated Ferndale colonial with classic character, modern updates, and a fantastic location near downtown and Woodward Ave. Step into the spacious enclosed front porch—perfect for morning coffee or evening relaxation—before entering a light-filled living room featuring coved ceilings and large windows. An arched doorway leads into the traditional dining room, flowing seamlessly into the beautifully updated kitchen with stainless steel appliances, tile backsplash, and granite counters. A convenient half bath is tucked just off the kitchen. Upstairs, three comfortable bedrooms share a full bath with vintage charm. The full basement provides laundry and plenty of extra storage space. Out back, enjoy a peaceful fenced yard with mature trees offering great shade and privacy. Welcome Home!
Source: SparkMLS
About this home
3-bedroom, 2-bath, 1,122 sq ft home in Ferndale in Ferndale built in 1926.
This home sold for $175,000 (about $156/sq ft).
Property tax estimate: $4,614 per year ($385/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 Area1,122 sqft
Lot Size0.09 acres
Year Built1926
Stories2
Location
CityFerndale
MunicipalityFerndale City
Zip Code48220
CountyOakland
School DistrictFerndale
Construction & Systems
ConstructionVinyl Siding
HeatingForced Air
WaterPublic
SewerPublic
Sale & Financing
Listed11/30/2025
Sold Date1/8/2026
Terms AcceptedCash, Conventional, FHA, VA Loan
Source: SparkMLS
Tax Information
Annual Tax$4,614
State Equalized Value$95,290
Taxable Value$66,460
Parcel #2535351024
Source: Public Records
Legal Description
T1N, R11E, SEC 35 HUGO SCHERERS SUB LOT 179, 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 764 Spencer Street, Ferndale, MI 48220
What school district is 764 Spencer Street, Ferndale, MI 48220 in?
Per MLS# 20251057177, this property is served by Ferndale. In Michigan, school district boundaries are set by the state and do not always follow city limits.
Can I use FHA or VA financing for this property?
Per MLS# 20251057177, 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# 20251057177, the most recent reported annual property tax for 764 Spencer Street, Ferndale, MI 48220 is $4,614. 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 764 Spencer Street, Ferndale, MI 48220 eligible for USDA financing?
Per USDA Rural Development boundary data, 764 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, 764 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 764 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. Water: 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
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Monthly payment$1,199
Principal & interest$1,199
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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
764 Spencer Street, Ferndale, MI 48220
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Municipality
Ferndale
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County
Oakland County
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