1070 E Troy St, Ferndale, MI 48220 Property Records

Oakland County property record for 1070 E Troy St, Ferndale, MI 48220

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,026 sqft · built 1926
Lot Size	0.114 acres (4,966 sqft)
Owner	Individual Name on Record
Last Sale	$280,000 (Jun 2024)
Tax Bill	$6,071 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-25-35-103-011`

Property Details

APN / Parcel Number

Primary APN	`24-25-35-103-011`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,026 sqft Living Area
1st Floor Area	821 sqft
Basement Area	821 sqft
Unfinished Basement	821 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Architectural Style	Bungalow
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	4,966 sqft (0.114 acres)
Lot Dimensions	110 ft deep x 45 ft wide
Garage Area	412 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	128 sqft
Deck Area	64 sqft
Patio Area	64 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	1070 E TROY ST
City	FERNDALE
State	MI
Zip	48220-1914
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	II
Legal Description	T1N, R11E, SEC 35 THOMAS OAKS SUB LOT 28
Legal Range	11E
Legal Township	01N
Legal Section	35
Legal Subdivision	THOMAS OAKS SUB
Legal Lot Number	28
Jurisdiction	OAKLAND MI
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1004
Census Tract	173600

Owner

Source: Oakland County records, as of May 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	27785 RIALTO ST, MADISON HEIGHTS, MI 48071-3441
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2021	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU
Mar 17, 2017	Warranty Deed, Transfer · FHA Mortgage MORTGAGE 1 AT SUBURBAN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 12, 2024 · Amount on Record
Deed Sale	Jun 12, 2024 · Amount on Record
Prior Sale	Sep 16, 2021 · Amount on Record
Deed Document Number	202465014
Deed Book / Page	59418 / 69
Prior Transfer Date	Nov 17, 1997
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Sep 16, 2021
Property Address	1070 E TROY ST, FERNDALE, MI 48220-1914
Document Number	0000223003
Book / Page	56861 / 448
Map Reference	LB 34 PG 6
Instrument Date	Sep 10, 2021
Instrument	223003
Transaction Type	Transfer
Record Updated	Sep 30, 2021
Title Company	GREATER MACOMB TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,806.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1070 E TROY ST, 1070, FERNDALE, MI 48220-1914

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1070 E TROY ST, FERNDALE, MI 48220-1914

Mortgage

Document Number	0056848332
Date	Sep 16, 2021
Instrument	56848/332

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Oct 1, 2031
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.62%
Index	1-Year CMT
Max Rate	8.62%

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Mar 17, 2017
Property Address	1070 E TROY ST, FERNDALE, MI 48220-1914
Document Number	0000050085
Book / Page	050480 / 000443
Instrument Date	Mar 15, 2017
Instrument	50085
Transaction Type	Transfer
Record Updated	Jan 9, 2019
Title Company	DEVON TITLE COMPANY, DEVON TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,204.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16276 FRONTENAC AVE CLINTON TOWNSHIP MI 480383331, CLINTON TOWNSHIP, MI 48038-3331

Mortgage

Document Number	50086
Date	Mar 17, 2017
Book Page	050480/000445
Instrument	50086

Lender

Name	MORTGAGE 1 AT SUBURBAN
Type	Mortgage Company
Address	STERLING HEIGHTS, MI 48314

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 16, 2047

Tax Assessment & Valuation

Source: Oakland County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
Municipality	Ferndale City
Unified School District	Hazel Park City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,071.00 (-24.74%) Homeowner's exemption	$109,950 (+6.61%)	$219,900 (+6.61%)
2024	$8,067.00 (+68.62%)
2023		$103,130	$206,260
2021	$4,784.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective December 8, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2018 · other causes

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FERNDALE serves 22,105 people · EPA ID MI0002280
Water Source	Purchased surface water from GREAT LAKES WATER AUTHORITY
Last State Inspection	May 2021
Lead	9 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead public education Nov 2020
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 585 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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