588 E Troy St, Ferndale, MI 48220 Property Records

Oakland County property record for 588 E Troy St, Ferndale, MI 48220

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 960 sqft · built 1923
Lot Size	0.085 acres (3,703 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Jul 2021)
Tax Bill	$4,645 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Apr 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24-25-34-228-009`

Property Details

APN / Parcel Number

Primary APN	`24-25-34-228-009`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	3,703 sqft (0.085 acres)
Lot Dimensions	108 ft deep x 34 ft wide
Garage Area	252 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	588 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 W 34 FT OF E 68 FT OF LOT 226
Legal Range	11E
Legal Township	01N
Legal Section	34
Legal Subdivision	THE LITTLE FARMS SUB
Legal Lot Number	226
Jurisdiction	OAKLAND MI
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2001
Census Tract	173500

Owner

Source: Oakland County records, as of May 27, 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	588 E TROY ST, FERNDALE, MI 48220-2829
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2021	Warranty Deed, Transfer · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE INC
Apr 23, 2019	Deed of Trust, Mortgage · Conventional with PMI OMEGA LNDG
Sep 11, 2018	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 13, 2017	Deed, Transfer · Conventional Mortgage FIRST INDEPENDENCE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 9, 2021 · Amount on Record
Deed Sale	Jul 9, 2021 · Amount on Record
Prior Sale	Sep 11, 2018 · Amount on Record
Deed Document Number	2021171469
Deed Book / Page	56522 / 550
Record Updated	Sep 20, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jul 9, 2021
Property Address	588 E TROY ST, FERNDALE, MI 48220-2829
Document Number	0000171469
Book / Page	56522 / 550
Map Reference	LB 7 PG 29
Instrument Date	Jun 23, 2021
Instrument	171469
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,720.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	588 F TROY AVE, 588, FERNDALE, MI 48220

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1200 W 9 MILE RD, FERNDALE, MI 48220-1299

Mortgage

Document Number	0056522551
Date	Jul 9, 2021
Instrument	56522/551

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company

Agreement

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

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	588 E TROY ST, FERNDALE, MI 48220-2829
Document Number	0000070931
Instrument Date	Apr 23, 2019
Transaction Type	Mortgage
Record Updated	May 28, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	588 E TROY ST FERNDALE MI 482202829, FERNDALE, MI 48220-2829

Mortgage

Document Number	0000070931
Date	May 7, 2019
Book Page	052804/000001
Instrument	70931

Lender

Name	OMEGA LNDG
Address	ROYAL OAK, MI 48067

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 6, 2049

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Sep 11, 2018
Property Address	588 E TROY ST, FERNDALE, MI 48220-2829
Document Number	0000149117
Book / Page	52169 / 00341
Map Reference	LB 7 PG 29
Instrument Date	Sep 7, 2018
Instrument	149117
Transaction Type	Transfer
Record Updated	Jun 29, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,350.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	588 E TROY ST, 588, FERNDALE, MI 48220-2829

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	588 E TROY ST, FERNDALE, MI 48220-2829

Mortgage

Document Number	0000149118
Date	Sep 11, 2018
Instrument	149118

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

November 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	OAKLAND MI
Recording Date	Nov 13, 2017
Property Address	588 E TROY ST, FERNDALE, MI 48220-2829
Document Number	0000208862
Book / Page	51280 / 00241
Map Reference	LB 7 PG 29
Instrument Date	Oct 23, 2017
Instrument	208862
Transaction Type	Transfer
Record Updated	Jun 29, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,032.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19785 W 12 MILE RD # 331, 19785, SOUTHFIELD, MI 48076-2584

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	588 E TROY ST, FERNDALE, MI 48220-2829

Mortgage

Document Number	0000208864
Date	Nov 13, 2017
Instrument	208864

Lender

Name	FIRST INDEPENDENCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2047

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	Ferndale Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,645.00 (-4.29%) Homeowner's exemption	$93,920 (+6.58%)	$187,840 (+6.58%)
2024	$4,853.00 (+21.14%)
2023		$88,120	$176,240
2021	$4,006.00

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 (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

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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