1120 E Troy St, Ferndale, MI 48220 Property Records

Oakland County property record for 1120 E Troy St, Ferndale, MI 48220

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 800 sqft · built 1924
Lot Size	0.072 acres (3,136 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Jul 2022)
Tax Bill	$3,574 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Jul 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`24-25-35-104-002`

Property Details

APN / Parcel Number

Primary APN	`24-25-35-104-002`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	800 sqft Living Area
1st Floor Area	533 sqft
Basement Area	533 sqft
Unfinished Basement	533 sqft

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	3,136 sqft (0.072 acres)
Lot Dimensions	105 ft deep x 30 ft wide
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	1120 E TROY ST
City	FERNDALE
State	MI
Zip	48220-1916
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI
Legal Description	T1N, R11E, SEC 35 THOMAS OAKS SUB LOT 30
Legal Range	11E
Legal Township	01N
Legal Section	35
Legal Subdivision	THOMAS OAKS SUB
Legal Lot Number	30
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	1120 E TROY ST, FERNDALE, MI 48220-1916
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Jul 28, 2022	Warranty Deed, Transfer ATA NATIONAL TITLE GROUP LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2022 · Amount on Record
Deed Sale	Jul 28, 2022 · Amount on Record
Deed Document Number	2022421649
Deed Book / Page	57991 / 727
Prior Transfer Date	Dec 18, 2014
Prior Transfer Doc	0000242148
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	1120 E TROY ST, FERNDALE, MI 48220-1916
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1120 E TROY ST, FERNDALE, MI 48220-1916

Mortgage

Document Number	0000422770
Date	Aug 1, 2022
Book Page	57997/82
Instrument	422770

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jul 28, 2022
Property Address	1120 E TROY ST, FERNDALE, MI 48220-1916
Document Number	0000421649
Book / Page	57991 / 727
Map Reference	LB 34 PG 6
Instrument Date	Jul 22, 2022
Instrument	421649
Transaction Type	Transfer
Record Updated	Sep 2, 2022
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Tax	$1,275.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6580 NORTHPOINT DR, 6580, TROY, MI 48085-1420

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1120 E TROY ST, FERNDALE, MI 48220-1916

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	$3,574.00 (-2.19%) Homeowner's exemption	$66,060 (+10.19%)	$132,120 (+10.19%)
2024	$3,654.00 (+83.62%)
2023		$59,950	$119,900
2021	$1,990.00

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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