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988 E Troy St, Ferndale, MI 48220 Property Records

Oakland County property record for 988 E Troy St, Ferndale, MI 48220

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 671 sqft · built 1925
Lot Size0.088 acres (3,833 sqft)
OwnerCompany Name on File
Last Sale$94,000 (Jun 2001)
Tax Bill$4,984 (2025)
Deeds & MortgagesJul 2023 Construction Loan
Oct 2022 Mortgage
+ 4 more
Flood ZoneZone X (minimal risk)
APN24-25-35-103-028

Property Details

APN / Parcel Number

Primary APN24-25-35-103-028

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms4 Rooms
Stories1 Story
Building Area671 sqft Living Area
1st Floor Area537 sqft
Basement Area537 sqft
Unfinished Basement537 sqft

Exterior

Year BuiltBuilt 1925
Effective Year BuiltEffective 1925
Exterior MaterialAluminum/Vinyl
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area3,833 sqft (0.088 acres)
Lot Dimensions96 ft deep x 40 ft wide
PorchSlab
Porch Area133 sqft
Deck Area32 sqft

Utilities, Heating & Cooling

Cooling SystemNone
Heating SystemForced Air with A/C
Heating FuelGas
SewerMunicipal

Location & Zoning

Street Address988 E TROY ST
CityFERNDALE
StateMI
Zip48220-1914
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRI
Legal DescriptionT1N, R11E, SEC 35 THOMAS OAKS SUB LOT 22 EXC S 14 FT, ALSO W 5 FT OF N 96 FT OF LOT 23 8-18-98 FR 005 & 025
Legal Range11E
Legal Township01N
Legal Section35
Legal SubdivisionTHOMAS OAKS SUB
Legal Lot Number8,22-23
JurisdictionOAKLAND MI
Township / Civil DivisionFERNDALE
Census Block Group1
Census Block1004
Census Tract173600

Owner

Source: Oakland County assessment roll, APN 24-25-35-103-028, as of 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 RecordCompany Name on File
Mailing Address30 N GOULD ST, SHERIDAN, WY 82801-6317
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

DateDocument
Jul 31, 2023Warranty Deed, Transfer · Construction Mortgage
COMMERCIAL LENDER LLC
Oct 18, 2022Deed of Trust, Mortgage · Commercial Mortgage
NEXT BRIDGE FUNDING LLC
Nov 18, 2022Warranty Deed, Transfer
FIDELITY NATIONAL TITLE
Nov 03, 2022Warranty Deed, Transfer
May 31, 2022Intrafamily Transfer, Transfer
Jun 07, 2022Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJun 28, 2001 · Amount on Record
Deed SaleJun 28, 2001 · Amount on Record
Prior SaleJan 22, 2001 · Amount on Record
Last Transfer DateMay 19, 2022
Transfer Doc0000392798
Record UpdatedSep 20, 2026

July 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOAKLAND MI
Recording DateJul 31, 2023
Property Address988 E TROY ST, FERNDALE, MI 48220-1914
Document Number0000082715
Book / Page58771 / 317
Map ReferenceLB 34 PG 6
Instrument DateJul 24, 2023
Instrument82715
Transaction TypeTransfer
Record UpdatedAug 16, 2023

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address30 N GOULD ST # R, R, SHERIDAN, WY 82801-6317

Mortgage

Document Number0000082716
DateJul 31, 2023
Book Page58771/318
Instrument82716
Lender
NameCOMMERCIAL LENDER LLC
TypeNon-Lending Institution
AddressVERNON ROCKVILLE, CT 06066
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2053

October 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOAKLAND MI
Property Address988 E TROY ST, FERNDALE, MI 48220-1914
Transaction TypeMortgage
Record UpdatedNov 04, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address15892 DUNBLAINE AVE, BEVERLY HILLS, MI 48025-4239

Mortgage

Document Number0000459883
DateOct 18, 2022
Book Page58197/783
Instrument459883
Lender
NameNEXT BRIDGE FUNDING LLC
TypeNon-Lending Institution
AddressPLYMOUTH, MI 48170
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

November 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOAKLAND MI
Recording DateNov 18, 2022
Property Address988 E TROY ST, FERNDALE, MI 48220-1914
Document Number0000473280
Book / Page58270 / 149
Map ReferenceLB 34 PG 6
Instrument DateOct 10, 2022
Instrument473280
Transaction TypeTransfer
Record UpdatedDec 06, 2022
Title CompanyFIDELITY NATIONAL TITLE

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2730 UNION LAKE RD, 2730, COMMERCE TOWNSHIP, MI 48382-3559

Transferred To (Grantee/Buyer)

NameVerified Name
Address988 E TROY ST, FERNDALE, MI 48220-1914

November 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOAKLAND MI
Recording DateNov 03, 2022
Property Address988 E TROY ST, FERNDALE, MI 48220-1914
Document Number0000467302
Book / Page58238 / 36
Map ReferenceLB 34 PG 6
Instrument DateSep 16, 2022
Instrument467302
Transaction TypeTransfer
Record UpdatedNov 18, 2022

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Notice of Trustee Sale
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address988 E TROY ST, 988, FERNDALE, MI 48220-1914

Transferred To (Grantee/Buyer)

NameVerified Name
Address2730 UNION LAKE RD, COMMERCE TOWNSHIP, MI 48382-3559

May 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOAKLAND MI
Recording DateMay 31, 2022
Property Address988 E TROY ST, FERNDALE, MI 48220-1914
Document Number0000388682
Book / Page57805 / 888
Map ReferenceLB 34 PG 6
Instrument DateMay 19, 2022
Instrument388682
Transaction TypeTransfer
Record UpdatedAug 02, 2022

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address490 SHENANDOAH DR, 490, CLAWSON, MI 48017-1300

Transferred To (Grantee/Buyer)

NameVerified Name
Address490 SHENANDOAH DR, CLAWSON, MI 48017-1300

June 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOAKLAND MI
Recording DateJun 07, 2022
Property Address988 E TROY ST, FERNDALE, MI 48220-1914
Document Number0000392798
Book / Page57828 / 337
Map ReferenceLB 34 PG 6
Instrument DateMay 19, 2022
Instrument392798
Transaction TypeTransfer
Record UpdatedJun 07, 2023

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address490 SHENANDOAH DR, 490, CLAWSON, MI 48017-1300

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address490 SHENANDOAH DR, CLAWSON, MI 48017-1300

Tax Assessment & Valuation

Source: Oakland County assessment roll as of February 4, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateMichigan
CountyOakland County
MunicipalityFerndale City
Unified School DistrictHazel Park City School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$4,984.00 (-9.25%)$68,190 (+8.58%)$136,380 (+8.58%)
2024$5,492.00 (+225.16%)
2023$62,800 (+4.75%)$125,600 (+4.75%)
2022$1,689.00 (-0.12%) Homeowner's exemption$59,950$119,900
2021$1,691.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Oakland County (26125C), as of December 8, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261251736001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims1 (2018)
Claims Outside the SFHA1 of 1
Most Recent ClaimMay 2018 · other causes

Wildfire

Wildfire RiskNot 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.

Internet Providers

Source: FCC Broadband Data Collection, 585 locations within half a mile, as of December 31, 2025 · Last verified October 2026

ProviderMax 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
T-Mobile USA
Fixed Wireless		100 / 20

May also be available: Verizon.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MI0002280, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemFERNDALE
serves 22,105 people
Water SourcePurchased surface water from GREAT LAKES WATER AUTHORITY
Last State InspectionMay 2021
Lead9 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureLead public education
Nov 2020
Monitoring and Reporting2
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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