1105 E Troy St, Ferndale, MI 48220 Property Records

Oakland County property record for 1105 E Troy St, Ferndale, MI 48220

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 669 sqft · built 1925
Lot Size	0.076 acres (3,311 sqft)
Owner	Individual Name on Record
Last Sale	$110,000 (Sep 2018)
Tax Bill	$2,838 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-25-35-102-004`

Property Details

APN / Parcel Number

Primary APN	`24-25-35-102-004`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	669 sqft Living Area
1st Floor Area	535 sqft
Basement Area	535 sqft
Unfinished Basement	535 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	3,311 sqft (0.076 acres)
Lot Dimensions	110 ft deep x 30 ft wide
Garage Area	571 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	181 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	1105 E TROY ST
City	FERNDALE
State	MI
Zip	48220-1915
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI
Legal Description	T1N, R11E, SEC 35 THOMAS OAKS SUB LOT 15
Legal Range	11E
Legal Township	01N
Legal Section	35
Legal Subdivision	THOMAS OAKS SUB
Legal Lot Number	15
Jurisdiction	OAKLAND MI
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1002
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	1105 E TROY ST, FERNDALE, MI 48220-1915
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2021	Deed of Trust, Mortgage ROCKET MORTGAGE LLC
Sep 10, 2018	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 10, 2018 · Amount on Record
Deed Sale	Sep 10, 2018 · Amount on Record
Prior Sale	Jul 13, 2001
Deed Document Number	2018148556
Deed Book / Page	52166 / 236
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	1105 E TROY ST, FERNDALE, MI 48220-1915
Transaction Type	Mortgage
Record Updated	Feb 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1105 E TROY ST 5, 5, FERNDALE, MI 48220-1915

Mortgage

Document Number	0000284177
Date	Dec 30, 2021
Book Page	57237/325
Instrument	284177

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Sep 10, 2018
Property Address	1105 E TROY ST, FERNDALE, MI 48220-1915
Document Number	0000148556
Book / Page	052166 / 000236
Instrument Date	Sep 5, 2018
Instrument	148556
Transaction Type	Transfer
Record Updated	Oct 4, 2018
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$946.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	651 BERKLEY ST BERKLEY MA 027791310, BERKLEY, MA 02779-1310

Mortgage

Document Number	148688
Date	Sep 10, 2018
Book Page	052167/000050
Instrument	148688

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 9, 2048

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	$2,838.00 (-1.97%) Homeowner's exemption	$71,630 (+9.83%)	$143,260 (+9.83%)
2024	$2,895.00 (-1.36%)
2023		$65,220	$130,440
2021	$2,935.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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