1854 E Troy St, Ferndale, MI 48220 Property Records

Oakland County property record for 1854 E Troy St, Ferndale, MI 48220

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,648 sqft · built 2017
Lot Size	0.103 acres (4,487 sqft)
Owner	2 Individual Names on Record
Last Sale	$490,000 (Jun 2025)
Tax Bill	$12,075 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Apr 2018 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-25-35-203-006`

Property Details

APN / Parcel Number

Primary APN	`24-25-35-203-006`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,648 sqft Living Area
1st Floor Area	881 sqft
Basement Area	881 sqft
Unfinished Basement	881 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Lot Area	4,487 sqft (0.103 acres)
Lot Dimensions	112 ft deep x 40 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	105 sqft
Patio Area	60 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1854 E TROY ST
City	FERNDALE
State	MI
Zip	48220-2069
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI
Legal Description	T1N, R11E, SEC 35 MAYFIELD GARDENS SUB LOT 26, ALSO 1/2 OF VAC ALLEY ADJ TO SAME
Legal Range	11E
Legal Township	01N
Legal Section	35
Legal Subdivision	MAYFIELD GARDENS SUB
Legal Lot Number	26
Jurisdiction	OAKLAND MI
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1007
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	2 Individual Names on Record
Mailing Address	2455 CULBERTSON AVE, ROCHESTER HILLS, MI 48307-4609
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2020	Deed of Trust, Mortgage QUICKEN LNS
Apr 1, 2018	Loan Modification, Mortgage LAKE MI CU
Mar 8, 2017	Warranty Deed, Construction Loan · Construction Mortgage LAKE MI CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2025 · Amount on Record
Deed Sale	Jun 25, 2025 · Amount on Record
Prior Sale	Mar 8, 2017 · Amount on Record
Deed Document Number	202575914
Deed Book / Page	60306 / 29
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	1854 E TROY ST, FERNDALE, MI 48220-2069
Document Number	0000014848
Instrument Date	Jan 11, 2020
Transaction Type	Mortgage
Record Updated	Mar 2, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1854 E TROY ST FERNDALE MI 482202069, FERNDALE, MI 48220-2069

Mortgage

Document Number	0000014848
Date	Jan 21, 2020
Book Page	053737/000793
Instrument	14848

Lender

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

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 20, 2050

April 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OAKLAND MI
Property Address	1854 E TROY ST, FERNDALE, MI 48220-2069
Document Number	0000064717
Instrument Date	Apr 1, 2018
Transaction Type	Mortgage
Record Updated	Nov 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1854 E TROY ST #B FERNDALE MI 482202069, B, FERNDALE, MI 48220-2069

Mortgage

Document Number	0000064717
Date	Apr 13, 2018
Book Page	051725/000331
Instrument	64717

Lender

Name	LAKE MI CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501-2848

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 12, 2048

March 2017: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Mar 8, 2017
Property Address	1854 E TROY ST, FERNDALE, MI 48220-2069
Document Number	0000043357
Book / Page	050451 / 000657
Instrument Date	Feb 21, 2017
Instrument	43357
Transaction Type	Construction Loan
Record Updated	Apr 26, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$387.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 W PARKER AVE MADISON HEIGHTS MI 480714510, MADISON HEIGHTS, MI 48071-4510

Mortgage

Document Number	43358
Date	Mar 8, 2017
Book Page	050451/000659
Instrument	43358

Lender

Name	LAKE MI CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 7, 2047

Interest

Rate Type	Adjustable Rate
Rate	4%

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	$12,075.00 (-1.29%)	$239,980 (+9.62%)	$479,960 (+9.62%)
2024	$12,233.00 (+1.43%)
2023		$218,920	$437,840
2021	$12,060.00

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 722 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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