Oakland County property record for 524 E Troy St, Ferndale, MI 48220
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 882 sqft · built 1949 |
| Lot Size | 0.125 acres (5,445 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,273 (2025) |
| Deeds & Mortgages | Apr 2024 Line of Credit Apr 2021 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-25-34-228-004 |
| Primary APN | 24-25-34-228-004 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 882 sqft Living Area |
| 1st Floor Area | 691 sqft |
| Basement Area | 691 sqft |
| Unfinished Basement | 691 sqft |
| Game Room | Game Room |
| 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 | 5,445 sqft (0.125 acres) |
| Lot Dimensions | 108 ft deep x 50 ft wide |
| Porch | Slab |
| Porch Area | 37 sqft |
| Patio Area | 36 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 524 E TROY ST |
|---|---|
| City | FERNDALE |
| State | MI |
| Zip | 48220-2829 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | T1N, R11E, SEC 34 THE LITTLE FARMS SUB W 50 FT OF LOT 223 |
| Legal Range | 11E |
| Legal Township | 01N |
| Legal Section | 34 |
| Legal Subdivision | THE LITTLE FARMS SUB |
| Legal Lot Number | 223 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | FERNDALE |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 173500 |
Source: Oakland County records · APN 24-25-34-228-004
Assessment roll updated February 4, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 524 E TROY ST, FERNDALE, MI 48220-2829 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Apr 19, 2024 | Deed of Trust, Mortgage · Line of Credit CREDIT UNION ONE |
| Apr 13, 2021 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 21, 2000 |
| Deed Sale | Dec 21, 2000 |
| Last Transfer Date | Feb 07, 2025 |
| Transfer Doc | 0000022864 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 524 E TROY ST, FERNDALE, MI 48220-2829 |
| Transaction Type | Mortgage |
| Record Updated | May 08, 2024 |
| Name | Verified Name |
|---|---|
| Address | 524 E TROY ST, FERNDALE, MI 48220-2829 |
| Document Number | 0000043581 |
|---|---|
| Date | Apr 19, 2024 |
| Book Page | 59301/170 |
| Instrument | 43581 |
| Name | CREDIT UNION ONE |
|---|---|
| Type | Credit Union |
| Address | FERNDALE, MI 48220 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Apr 18, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Apr 13, 2021 |
| Property Address | 524 E TROY ST, FERNDALE, MI 48220-2829 |
| Document Number | 0000097779 |
| Book / Page | 56054 / 549 |
| Map Reference | LB 7 PG 20 |
| Instrument Date | Mar 03, 2021 |
| Instrument | 97779 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 524 E TROY ST, FERNDALE, MI 48220-2829 |
| Investor | Possibly a Property Investor |
Source: Oakland County records · Assessment roll updated February 4, 2026 · Last verified July 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 | $1,273.00 (-1.01%) Homeowner's exemption | $104,460 (+8.41%) | $208,920 (+8.41%) |
| 2024 | $1,286.00 (+6.9%) | ||
| 2023 | $96,360 | $192,720 | |
| 2021 | $1,203.00 |
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 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 |
| Wildfire Risk | Not rated no burnable land within 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 797 locations within half a mile · Last verified October 2026
| 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 USA.
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | FERNDALE serves 22,105 people |
|---|---|
| Water Source | Purchased surface water from GREAT LAKES WATER AUTHORITY |
| Last State Inspection | May 2021 |
| Lead | 9 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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