1184 E Troy St, Ferndale, MI 48220 Property Records

Oakland County property record for 1184 E Troy St, Ferndale, MI 48220

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,899 sqft · built 1926
Lot Size	0.254 acres (11,064 sqft)
Owner	Individual Name on Record
Last Sale	$378,200 (May 2026)
Tax Bill	$10,019 (2025)
Deeds & Mortgages	May 2026 Sale Sep 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`24-25-35-104-017`

Property Details

APN / Parcel Number

Primary APN	`24-25-35-104-017`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,899 sqft Living Area
1st Floor Area	1,465 sqft
Basement Area	428 sqft
Unfinished Basement	428 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	11,064 sqft (0.254 acres)
Lot Dimensions	107 ft deep x 68 ft wide
Garage Area	497 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	52 sqft
Deck Area	379 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1184 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 THOMPSON PARK SUB LOTS 7 & 8, ALSO OF 'BONNIE OAKS SUB' LOT 16 4-14-94 FR 007, 008 & 009
Legal Range	11E
Legal Township	01N
Legal Section	35
Legal Subdivision	THOMPSON PARK SUB
Legal Lot Number	16
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	3816 COVERT RD, WATERFORD, MI 48328-1326
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
May 5, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Sep 19, 2022	Warranty Deed, Transfer · Conventional Mortgage HALL FINANCIAL GROUP
Apr 6, 2020	Warranty Deed, Transfer LIBERTY TITLE
Jul 16, 2019	Warranty Deed, Transfer JENNIFER M ARNOLD
Jul 5, 2019	Quit Claim Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2026 · Amount on Record
Deed Sale	May 5, 2026 · Amount on Record
Prior Sale	Sep 19, 2022 · Amount on Record
Deed Document Number	202660369
Deed Book / Page	61164 / 563
Prior Transfer Date	Apr 26, 2019
Prior Transfer Doc	0000107135
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	May 5, 2026
Property Address	1184 E TROY ST, FERNDALE, MI 48220-1916
Document Number	20260060369
Book / Page	61164 / 563
Instrument Date	Apr 28, 2026
Instrument	2026.60369
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$286,486.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3816 COVERT RD, WATERFORD, MI 48328-1326

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Sep 19, 2022
Property Address	1184 E TROY ST, FERNDALE, MI 48220-1916
Document Number	0000445746
Book / Page	58121 / 707
Map Reference	LB 34 PG 24
Instrument Date	Sep 13, 2022
Instrument	445746
Transaction Type	Transfer
Record Updated	Feb 10, 2023
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,550.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1184 E TROY ST, FERNDALE, MI 48220-1916

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1184 E TROY ST, FERNDALE, MI 48220-1916

Mortgage

Document Number	0058121709
Date	Sep 19, 2022
Instrument	58121/709

Lender

Name	HALL FINANCIAL GROUP
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Apr 6, 2020
Property Address	1184 E TROY ST, FERNDALE, MI 48220-1916
Document Number	0000064119
Book / Page	54034 / 831
Map Reference	LB 34 PG 24
Instrument Date	Mar 27, 2020
Instrument	64119
Transaction Type	Transfer
Record Updated	Jun 29, 2021
Title Company	LIBERTY TITLE

Transaction

Amount	Amount Recorded
Tax	$2,399.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22672 WILDWOOD ST, 22672, SAINT CLAIR SHORES, MI 48081-3903

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1184 E TROY ST, FERNDALE, MI 48220-1916

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jul 16, 2019
Property Address	1184 E TROY ST, FERNDALE, MI 48220-1916
Document Number	0000112659
Book / Page	053027 / 000168
Instrument Date	Jul 11, 2019
Instrument	112659
Transaction Type	Transfer
Record Updated	Oct 9, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,290.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22672 WILDWOOD ST ST CLAIR SHORES MI 480813903, ST CLAIR SHORES, MI 48081-3903

Mortgage

Document Number	143475
Date	Jul 16, 2019
Book Page	053208/000230
Instrument	143475

Lender

Name	JENNIFER M ARNOLD
Address	8141 GERHARDT ST, SHELBY TOWNSHIP, MI 48317-4403

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Jul 15, 2020

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	Jul 5, 2019
Property Address	1184 E TROY ST, FERNDALE, MI 48220-1916
Document Number	0000107135
Book / Page	052997 / 000112
Instrument Date	Apr 26, 2019
Instrument	107135
Transaction Type	Transfer
Record Updated	Aug 15, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	450 RUE DESLAURIERS

Tax Assessment & Valuation

Source: Oakland County assessment roll, as of February 4, 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	$10,019.00 (-2.75%) Homeowner's exemption	$190,300 (+8.6%)	$380,600 (+8.6%)
2024	$10,302.00 (+6.9%)
2023		$175,230	$350,460
2021	$9,637.00

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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