Sold
860 Gardendale Street, Ferndale, MI 48220
Sold on 02/20/2026 for$399,900
MLS # 20251052487 (Realcomp)
4 beds3 baths2,216 sqftBuilt 19260.09 acres
1 / 32
Listing Description
Rare opportunity on this large 4 bedroom beauty in the heart of Ferndale. Featuring more than 1,500 square feet which includes the owners very own, private, suite including bedroom, closet and bath plus a finished basement complete with wet bar, flex room and fireplace. This home has undergone a plethora of tasteful updates and is now presented as a truly turn-key home awaiting its next owner. Inside, the house comes complete with all new floors, doors, trim, a gorgeous NEW gourmet kitchen with beautiful quartz tops and full quartz backsplash, and bathrooms that compliment the rest of the home. 3 fireplaces for you to cozy up to this winter. Not a stone left unturned from the exterior landscape and new patio to the interior fit, finish and upgrades be sure to schedule your viewing today and make this house your home. BATVAI Listing agent is related to seller
Source: SparkMLS
About this home
Located in Ferndale in Ferndale, this property offers 4-bedroom, 3-bath, 2,216 sq ft, with original construction dating to 1926.
This home sold for $399,900 (about $180/sq ft).
Estimated annual property tax: $2,275, or about $190 monthly. 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 5,000 Mbps across 10 providers. Electric service is provided by DTE Electric Company; natural gas by Consumers Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms3
Living Area2,216 sqft
Lot Size0.09 acres
Year Built1926
Stories2
Location
CityFerndale
MunicipalityFerndale City
Zip Code48220
CountyOakland
School DistrictFerndale
Construction & Systems
ConstructionBrick, Vinyl Siding
Garage1.5 spaces
HeatingForced Air
SewerPublic
InteriorBasement Finished
Sale & Financing
Listed11/6/2025
Sold Date2/19/2026
Original Price$434,900
Terms AcceptedCash, Conventional, FHA, VA Loan
Source: SparkMLS
Tax Information
Annual Tax$2,275
State Equalized Value$108,370
Taxable Value$42,560
Parcel #2534304001
Source: Public Records
Legal Description
T1N, R11E, SEC 34 GARDENDALE ASSESSOR'S PLAT NO 1 LOT 379
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Joseph Sinishtaj
Showtime Realty
Frequently Asked Questions about 860 Gardendale Street, Ferndale, MI 48220
What school district is 860 Gardendale Street, Ferndale, MI 48220 in?
Per MLS# 20251052487, 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# 20251052487, 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# 20251052487, the most recent reported annual property tax for 860 Gardendale Street, Ferndale, MI 48220 is $2,275. 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 860 Gardendale Street, Ferndale, MI 48220 eligible for USDA financing?
Per USDA Rural Development boundary data, 860 Gardendale 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, 860 Gardendale 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 860 Gardendale Street, Ferndale, MI 48220?
Per FCC broadband data, this property has access to fiber internet service. The maximum advertised download speed is 5.0 Gbps. 10 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
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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.
Internet
FiberDownload
5 Gbps
Upload
5 Gbps
FiberCableLicensed Fixed WirelessGSO SatelliteSatelliteDSL
10 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
860 Gardendale Street, Ferndale, MI 48220
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Municipality
Ferndale
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County
Oakland County
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