518 E Troy St, Ferndale, MI 48220 Property Records

Oakland County property record for 518 E Troy St, Ferndale, MI 48220

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,494 sqft · built 1949
Lot Size	0.083 acres (3,615 sqft)
Owner	2 Individual Names on File
Last Sale	$282,000 (Sep 2025)
Tax Bill	$3,166 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Feb 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-25-34-228-003`

Property Details

APN / Parcel Number

Primary APN	`24-25-34-228-003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,494 sqft Living Area
1st Floor Area	854 sqft
Basement Area	854 sqft
Unfinished Basement	854 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Architectural Style	Bungalow
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	152 sqft
Deck 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	518 E TROY ST
City	FERNDALE
State	MI
Zip	48220-2829
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AI
Legal Description	T1N, R11E, SEC 34 THE LITTLE FARMS SUB E 1/3 OF LOT 222
Legal Range	11E
Legal Township	01N
Legal Section	34
Legal Subdivision	THE LITTLE FARMS SUB
Legal Lot Number	222
Jurisdiction	OAKLAND MI
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2001
Census Tract	173500

Owner

518 E Troy St is owned by two individuals who bought it in September 2025.

Source: Oakland County records, as of July 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	15670 MEADOWBROOK RD, REDFORD, MI 48239-3986
Owner Type	Individual
Vesting	Married Couple

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2025	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 4, 2019	Quit Claim Deed, Transfer Quitclaim
Nov 29, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2025 · Amount on File
Deed Sale	Sep 23, 2025 · Amount on File
Prior Sale	Oct 6, 2016 · Amount on File
Deed Document Number	2025118828
Deed Book / Page	60546 / 280
Prior Transfer Date	Feb 1, 2019
Prior Transfer Doc	0000016823
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Sep 23, 2025
Property Address	518 E TROY ST, FERNDALE, MI 48220-2829
Document Number	0000118828
Book / Page	60546 / 280
Map Reference	LB 7 PG 29
Instrument Date	Sep 16, 2025
Instrument	118828
Transaction Type	Transfer
Record Updated	Oct 6, 2025
Title Company	STERLING TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,115.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	549 PARK DR, CLAWSON, MI 48017-1271

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15670 MEADOWBROOK RD, REDFORD, MI 48239-3986

Mortgage

Document Number	0060548350
Date	Sep 23, 2025
Instrument	60548/350

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	Feb 4, 2019
Property Address	518 E TROY ST, FERNDALE, MI 48220-2829
Document Number	0000016823
Book / Page	052554 / 000018
Instrument Date	Feb 1, 2019
Instrument	16823
Transaction Type	Transfer
Record Updated	Feb 18, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	549 PARK DR CLAWSON MI 480171271, CLAWSON, MI 48017-1271

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	Nov 29, 2018
Property Address	518 E TROY ST, FERNDALE, MI 48220-2829
Document Number	0000192576
Book / Page	052393 / 000100
Instrument Date	Nov 24, 2018
Instrument	192576
Transaction Type	Transfer
Record Updated	Dec 20, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	549 PARK DR CLAWSON MI 480171271, CLAWSON, MI 48017-1271

Tax Assessment & Valuation

The 2025 property tax bill for 518 E Troy St was $3,166, down 0.3% from the year before.

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	Ferndale Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,166.00 (-0.25%)	$127,200 (+0.08%)	$254,400 (+0.08%)
2024	$3,174.00 (+4.3%)	$127,100 (+5.55%)	$254,200 (+5.55%)
2023	$3,043.00	$120,420	$240,840
2021	$2,928.00

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

FEMA maps place 518 E Troy St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.

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 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2014 · Severe Storms And Flooding

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

The area around 518 E Troy St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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