1916 E Troy St, Ferndale, MI 48220 Property Records

Oakland County property record for 1916 E Troy St, Ferndale, MI 48220

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 772 sqft · built 1929
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on Record
Last Sale	$177,000 (Sep 2026)
Tax Bill	$4,115 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Aug 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24-25-35-203-010`

Property Details

APN / Parcel Number

Primary APN	`24-25-35-203-010`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	772 sqft Living Area
1st Floor Area	772 sqft
Basement Area	579 sqft
Finished Basement	579 sqft

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	3,920 sqft (0.09 acres)
Lot Dimensions	112 ft deep x 35 ft wide
Garage Area	290 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	156 sqft
Deck Area	40 sqft
Patio Area	40 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1916 E TROY ST
City	FERNDALE
State	MI
Zip	48220-2070
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI
Legal Description	T1N, R11E, SEC 35 BADDER HTS SUB E 35 FT OF LOT 22, ALSO 1/2 OF VAC ALLEY ADJ TO SAME
Legal Range	11E
Legal Township	01N
Legal Section	35
Legal Subdivision	BADDER HTS SUB
Legal Lot Number	22
Jurisdiction	OAKLAND MI
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1007
Census Tract	173600

Owner

Source: Oakland County records, as of September 17, 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	22435 EUCLID ST, SAINT CLAIR SHORES, MI 48082-2445
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2026	Warranty Deed, Transfer · Conventional Mortgage FIRST MERCHANTS BANK
Aug 9, 2021	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
May 18, 2018	Deed of Trust, Mortgage · Conventional Mortgage STAUNTON FINANCIAL INC
Feb 2, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2026 · Amount on Record
Deed Sale	Sep 8, 2026 · Amount on Record
Prior Sale	Aug 9, 2021 · Amount on Record
Deed Document Number	2026133160
Deed Book / Page	61528 / 684
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Sep 8, 2026
Property Address	1916 E TROY ST, FERNDALE, MI 48220-2070
Document Number	0000133160
Book / Page	61528 / 684
Instrument Date	Aug 18, 2026
Instrument	2026133160
Transaction Type	Transfer
Record Updated	Sep 17, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$134,077.50
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	22435 EUCLID ST, SAINT CLAIR SHORES, MI 48082-2445

Mortgage

Document Number	0000133657,
Date	Sep 8, 2026
Book Page	61531/678
Instrument	2026133657

Lender

Name	FIRST MERCHANTS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Aug 9, 2021
Property Address	1916 E TROY ST, FERNDALE, MI 48220-2070
Document Number	0000194992
Book / Page	56671 / 857
Map Reference	LB 16 PG 8
Instrument Date	Jul 30, 2021
Instrument	194992
Transaction Type	Transfer
Record Updated	Aug 25, 2021
Title Company	EQUITY TITLE AGENCY LLC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1991 INDIANA ST, 1991, HOUSTON, TX 77019-6547

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1916 E TROY ST, FERNDALE, MI 48220-2070

Mortgage

Document Number	0000200855
Date	Aug 17, 2021
Book Page	56711/578
Instrument	200855

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	1916 E TROY ST, FERNDALE, MI 48220-2070
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000083351
Date	May 18, 2018
Book Page	51825/00230
Instrument	83351

Lender

Name	STAUNTON FINANCIAL INC
Type	Non-Lending Institution
Address	SOUTHFIELD, MI 48075

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Feb 2, 2018
Property Address	1916 E TROY ST, FERNDALE, MI 48220-2070
Document Number	0000017527
Book / Page	051528 / 000406
Instrument Date	Jan 29, 2018
Instrument	17527
Transaction Type	Transfer
Record Updated	Feb 19, 2018

Transaction

Amount	Amount Recorded
Tax	$834.20
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	614 W FOREST DR HOUSTON TX 770796916, HOUSTON, TX 77079-6916

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	$4,115.00 (-2.3%) Homeowner's exemption	$83,940 (+10.36%)	$167,880 (+10.36%)
2024	$4,212.00 (-8.3%)
2023		$76,060	$152,120
2021	$4,593.00

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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