Oakland County property record for 442 E Troy St, Ferndale, MI 48220 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 763 sqft · built 1924 |
| Lot Size | 0.083 acres (3,615 sqft) |
| Owner | Individual Name on File |
| Last Sale | $75,000 (Dec 2014) |
| Tax Bill | $2,385 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Apr 2020 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-25-34-202-028 |
| Primary APN | 24-25-34-202-028 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 763 sqft Living Area |
| 1st Floor Area | 763 sqft |
| Basement Area | 763 sqft |
| Unfinished Basement | 763 sqft |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 1924 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 3,615 sqft (0.083 acres) |
| Lot Dimensions | 108 ft deep x 33 ft wide |
| Porch | Slab |
| Porch Area | 140 sqft |
| Deck Area | 64 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 442 E TROY ST |
|---|---|
| City | FERNDALE |
| State | MI |
| Zip | 48220-2852 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | T1N, R11E, SEC 34 THE LITTLE FARMS SUB W 1/3 OF LOT 220 |
| Legal Range | 11E |
| Legal Township | 01N |
| Legal Section | 34 |
| Legal Subdivision | THE LITTLE FARMS SUB |
| Legal Lot Number | 220 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | FERNDALE |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 173500 |
Source: Oakland County records · APN 24-25-34-202-028
Assessment roll updated January 21, 2026 · Last verified June 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 | 442 E TROY ST, FERNDALE, MI 48220-2852 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 17, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SOFI LENDING CORP |
| Apr 10, 2020 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 08, 2014 · Amount on Record |
| Deed Sale | Dec 08, 2014 · Amount on Record |
| Deed Document Number | 2014234226 |
| Deed Book / Page | 47668 / 361 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 442 E TROY ST, FERNDALE, MI 48220-2852 |
| Transaction Type | Mortgage |
| Record Updated | Feb 21, 2022 |
| Title Company | REPUBLIC TITLE OF TX |
| Name | Verified Name |
|---|---|
| Address | 442 E TROY ST, FERNDALE, MI 48220-2852 |
| Document Number | 0000276335 |
|---|---|
| Date | Dec 17, 2021 |
| Book Page | 57189/368 |
| Instrument | 276335 |
| Name | SOFI LENDING CORP |
|---|---|
| Type | Lending Institution |
| Address | SALT LAKE CITY, UT 84121 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 01, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 442 E TROY ST, FERNDALE, MI 48220-2852 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000072412 |
|---|---|
| Date | Apr 10, 2020 |
| Book Page | 54060/750 |
| Instrument | 72412 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | NEW CASTLE, DE 19720 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 03, 2035 |
Source: Oakland County records · Assessment roll updated January 21, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oakland County |
| Municipality | Ferndale City |
| Unified School District | Ferndale Public Schools (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,385.00 (-0.58%) | $82,320 (+7.27%) | $164,640 (+7.27%) |
| 2024 | $2,399.00 (+8.16%) | ||
| 2023 | $76,740 | $153,480 | |
| 2021 | $2,218.00 |
Source: FEMA National Flood Hazard Layer, Oakland County (26125C), updated December 8, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261251735002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Claims | 1 (2014) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 2014, river or lake flooding, Severe Storms And Flooding |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
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