1909 E Troy St, Ferndale, MI 48220 Property Records

Oakland County property record for 1909 E Troy St, Ferndale, MI 48220

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,244 sqft · built 1975
Lot Size	0.142 acres (6,186 sqft)
Owner	Individual Name on File
Last Sale	$264,000 (Jun 2026)
Tax Bill	$1,918 (2025)
Deeds & Mortgages	Jun 2026 Sale Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24-25-35-201-037`

Property Details

APN / Parcel Number

Primary APN	`24-25-35-201-037`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,244 sqft Living Area
1st Floor Area	1,244 sqft
Basement Area	1,244 sqft
Unfinished Basement	1,244 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,186 sqft (0.142 acres)
Lot Dimensions	112 ft deep x 55 ft wide
Porch	Slab
Porch Area	16 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1909 E TROY ST
City	FERNDALE
State	MI
Zip	48220-2071
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI
Legal Description	T1N, R11E, SEC 35 BADDER HEIGHTS SUB E 55 FT OF LOT 19, ALSO 1/2 OF VAC ALLEY ADJ TO SAME
Legal Range	11E
Legal Township	01N
Legal Section	35
Legal Subdivision	BADDER HEIGHTS SUB
Legal Lot Number	19
Jurisdiction	OAKLAND MI
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1000
Census Tract	173600

Owner

Source: Oakland County assessment roll, as of January 21, 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 File
Mailing Address	1909 E TROY ST, FERNDALE, MI 48220-2071
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2026	Warranty Deed, Transfer ALLIANCE TITLE
Oct 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage HALL FINANCIAL GROUP
Dec 9, 2025	Warranty Deed, Transfer MINO LENDING SOLUTIONS LLC
Sep 10, 2019	Deed of Trust, Mortgage · Conventional Mortgage HALL FINANCIAL GROUP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 16, 2026 · Amount on Record
Deed Sale	Jun 16, 2026 · Amount on Record
Prior Sale	Dec 9, 2025 · Amount on Record
Deed Document Number	202685693
Deed Book / Page	61294 / 472
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jun 16, 2026
Property Address	1909 E TROY ST, FERNDALE, MI 48220-2071
Document Number	0000085693
Book / Page	61294 / 472
Instrument Date	Jun 8, 2026
Instrument	202685693
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	ALLIANCE TITLE

Transaction

Amount	Amount Recorded
Tax	$199,980.00
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	1909 E TROY ST, FERNDALE, MI 48220-2071

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	1909 E TROY ST, FERNDALE, MI 48220-2071
Transaction Type	Mortgage
Record Updated	Dec 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1909 E TROY ST, FERNDALE, MI 48220-2071

Mortgage

Document Number	0000243185
Date	Oct 12, 2021
Book Page	56989/711
Instrument	243185

Lender

Name	HALL FINANCIAL GROUP
Type	Non-Lending Institution
Address	TROY, MI 48083

Agreement

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

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Dec 9, 2025
Property Address	1909 E TROY ST, FERNDALE, MI 48220-2071
Document Number	20250153909
Book / Page	60766 / 612
Map Reference	LB 16 PG 8
Instrument Date	Nov 17, 2025
Instrument	20250153909
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	FIRST PREMIER TTL AGCY INS &

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,125.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1909 E TROY ST, FERNDALE, MI 48220-2071

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1909 E TROY ST, FERNDALE, MI 48220-2071

Mortgage

Document Number	0060747157
Date	Dec 9, 2025
Instrument	60747/157

Lender

Name	MINO LENDING SOLUTIONS LLC
Type	Non-Lending Institution

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	1909 E TROY ST, FERNDALE, MI 48220-2071
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000147718
Date	Sep 10, 2019
Book Page	53236/00491
Instrument	147718

Lender

Name	HALL FINANCIAL GROUP
Type	Non-Lending Institution
Address	TROY, MI 48084

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

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	$1,918.00 (-1.49%) Homeowner's exemption	$93,180 (+5.05%)	$186,360 (+5.05%)
2024	$1,947.00 (-3.95%) Homeowner's exemption	$88,700 (+6.35%)	$177,400 (+6.35%)
2023	$2,027.00 (+3.21%) Homeowner's exemption	$83,400	$166,800
2021	$1,964.00

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

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 USA 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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