1942 E Troy St, Ferndale, MI 48220 Property Records

Oakland County property record for 1942 E Troy St, Ferndale, MI 48220

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,023 sqft · built 1924
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on Record
Last Sale	$223,500 (Oct 2025)
Tax Bill	$5,245 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Aug 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-25-35-203-012`

Property Details

APN / Parcel Number

Primary APN	`24-25-35-203-012`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,023 sqft Living Area
1st Floor Area	1,015 sqft
Basement Area	549 sqft
Unfinished Basement	549 sqft
Game Room	Game Room

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Architectural Style	Ranch
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	293 sqft
Parking Spaces	1 Parking Space
Deck Area	55 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1942 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 23, 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	23
Jurisdiction	OAKLAND MI
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1007
Census Tract	173600

Owner

Source: Oakland County records, as of July 6, 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	2860 GOODRICH ST, FERNDALE, MI 48220-1004
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2025	Warranty Deed, Transfer · Conventional Mortgage BEST INTEREST FINANCIAL LLC
Aug 18, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage FIRST STATE BANK
Apr 15, 2022	Warranty Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 2025 · Amount on Record
Deed Sale	Oct 6, 2025 · Amount on Record
Prior Sale	Apr 15, 2022 · Amount on Record
Deed Document Number	2025125918
Deed Book / Page	60590 / 330
Prior Transfer Date	Oct 3, 2008
Prior Transfer Doc	0000182421
Record Updated	Sep 20, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Oct 6, 2025
Property Address	1942 E TROY ST, FERNDALE, MI 48220-2070
Document Number	0000125918
Book / Page	60590 / 330
Map Reference	LB 16 PG 8
Instrument Date	Sep 29, 2025
Instrument	125918
Transaction Type	Transfer
Record Updated	Oct 15, 2025
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,676.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1942 E TROY ST, FERNDALE, MI 48220-2070

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1942 E TROY ST, FERNDALE, MI 48220-2070

Mortgage

Document Number	0060590332
Date	Oct 6, 2025
Instrument	60590/332

Lender

Name	BEST INTEREST FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OAKLAND MI
Recording Date	Aug 18, 2022
Property Address	1942 E TROY ST, FERNDALE, MI 48220-2070
Document Number	0000432312
Book / Page	58048 / 495
Map Reference	LB 16 PG 8
Instrument Date	Aug 9, 2022
Instrument	432312
Transaction Type	Transfer
Record Updated	Sep 20, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1942 E TROY ST, 1942, FERNDALE, MI 48220-2070

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1942 E TROY ST, FERNDALE, MI 48220-2070

Mortgage

Document Number	0000432313
Date	Aug 18, 2022
Book Page	58048/496
Instrument	432313

Lender

Name	FIRST STATE BANK
Type	Bank
Address	CLINTON TOWNSHIP, MI 48038

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.44%
Type Change Date	Sep 1, 2027
Change Frequency	6 Months
Min Rate At Change	4.44%
Max Rate At Change	5.44%
Index	Other
Margin	3
Max Rate	9.44%

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Apr 15, 2022
Property Address	1942 E TROY ST, FERNDALE, MI 48220-2070
Document Number	0000367668
Book / Page	57691 / 547
Map Reference	LB 16 PG 8
Instrument Date	Apr 4, 2022
Instrument	367668
Transaction Type	Transfer
Record Updated	Jul 12, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$1,425.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1942 E TROY ST, 1942, FERNDALE, MI 48220-2070

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1942 E TROY ST, FERNDALE, MI 48220-2070

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	$5,245.00 (-26.04%) Homeowner's exemption	$98,650 (+4%)	$197,300 (+4%)
2024	$7,092.00 (-6.88%)	$94,860 (+5.6%)	$189,720 (+5.6%)
2023	$7,616.00 (+155.14%)	$89,830	$179,660
2021	$2,985.00

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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