NOT LISTED FOR SALE

440 Spencer St Ferndale, MI 48220

Estimated Value: $348,000 - $414,223

3 Beds
2 Baths
1,378 Sq Ft
$281/Sq Ft Est. Value

Last Sold December 31, 2020

Last sale price $305,000 $221 Per Sq Ft

Est. 27% increase in value since last sale

Current estimated payment $2,895/month

6 Days on Market

Highlights

  • Colonial Architecture
  • No HOA
  • 1 Car Direct Access Garage
  • Deck
  • Stainless Steel Appliances
  • Porch

About This Home

As of December 2020

Great Curb Appeal and a total renovation in 2016. Colonial with Almost 1400 square feet, 3 bedrooms and 2 full baths. Updates include new roof, Gutter guards, Hardie Board siding, windows, HVAC, Pex plumbing, electrical, high speed internet, front porch, deck and patio. Hardwood Floors, open floor plan. Eat-in kitchen with newer cabinets, soft close drawers, granite counter tops, tile backsplash, LG stainless appliances. Generous master suite up with master bath, brick detail, and large custom walk in closet. Florida Room with super cool ceiling and double doors to patio and huge backyard. Nicely finished basement offers additional living space, storage and laundry. Attached 1 car garage. Double lot. Ferndale at it's best!! Walkable community. Close to downtown Ferndale. Near 2 parks. Easy access to I-75, Woodward Avenue, restaurants and shopping. Ferndale schools. Just unpack!!

Last Agent to Sell the Property

Joan Hardy Brown

The Agency Hall & Hunter License #6501303248 Listed on: 11/23/2020

The Agency Hall & Hunter

Last Buyer's Agent

Matthew Haase

JCS Realty License #6501398626

Home Details

Home Type

  • Single Family

Est. Annual Taxes

Year Built

  • Built in 1955 | Remodeled in 2016

Lot Details

  • 7,841 Sq Ft Lot
  • Lot Dimensions are 35 x 110
  • Fenced

Home Design

  • Colonial Architecture
  • Block Foundation
  • Asphalt Roof
  • Stone Siding

Interior Spaces

  • 1,378 Sq Ft Home
  • 2-Story Property
  • Ceiling Fan
  • Partially Finished Basement
  • Sump Pump
  • Carbon Monoxide Detectors

Kitchen

  • Free-Standing Gas Oven
  • Free-Standing Gas Range
  • Microwave
  • Dishwasher
  • Stainless Steel Appliances

Bedrooms and Bathrooms

  • 3 Bedrooms
  • 2 Full Bathrooms
  • Dual Flush Toilets

Laundry

  • Dryer
  • Washer

Parking

  • 1 Car Direct Access Garage
  • Garage Door Opener

Outdoor Features

  • Deck
  • Exterior Lighting
  • Breezeway
  • Porch

Location

  • Ground Level

Utilities

  • Forced Air Heating and Cooling System
  • Heating System Uses Natural Gas
  • Net Metering or Smart Meter
  • Natural Gas Water Heater
  • High Speed Internet

Community Details

  • No Home Owners Association
  • Hugo Scherers Sub Subdivision

Listing and Financial Details

  • Assessor Parcel Number 2535351006

Home Details

Home Type

Single Family

Est. Annual Taxes

$5,843

Year Built

Built in 1955 | Remodeled in 2016

Lot Details

0

Listing Details

  • Property Type: Residential
  • Architecture Style: Colonial
  • Architecture Level: 2 Story
  • Assessment: 170.00
  • Year Built: 1955
  • State Equalized Value: 154660.0000
  • Year Renovated: 2016
  • Foundation Features: Sump Pump
  • Entry Location: Ground Level w/Steps
  • Pets Allowed: Yes
  • Special Features: None
  • Property Sub Type: Detached
  • Stories: 2

Interior Features

  • Interior Amenities: Carbon Monoxide Alarm(s), Dual-Flush Toilet(s), High Spd Internet Avail, Utility Smart Meter
  • Room Count: 8
  • Total Bedrooms: 3
  • Total Bathrooms: 2.00
  • Full Bathrooms: 2
  • Basement: Yes
  • Basement Type: Partially Finished
  • Kitchen Appliances: Dishwasher, Dryer, Microwave, Free-Standing Gas Oven, Free-Standing Gas Range, Free-Standing Refrigerator, Stainless Steel Appliance(s), Washer
  • Sq Ft Combined: 1714
  • Sq Ft Lower Floor: 336
  • Total Sq Ft: 1378
  • Sq Ft Total Bsmt: 681

Exterior Features

  • Roof Material: Asphalt
  • Foundation Details: Basement
  • Construction Materials: Composition, Stone
  • Exterior Features: Fenced, Lighting
  • Foundation Materials: Block
  • Frontage Feet: 35
  • Porch Type: Breezeway, Deck, Porch
  • Road Frontage Type: Paved

Garage/Parking

  • Garage Size: 1 Car
  • Garage Features: Attached, Direct Access, Door Opener
  • Garage: Yes

Utilities

  • Heating Fuel: Natural Gas
  • Cooling: Ceiling Fan(s), Central Air
  • Heating: Forced Air
  • Sewer: Public Sewer (Sewer-Sanitary)
  • Water Heater Fuel: Natural Gas
  • Water Source: Public (Municipal)
  • Laundry Facilities: No

Condo/Co-op/Association

  • Association Fee: No

Schools

  • School District: Ferndale

Lot Info

  • Homestead: Yes
  • List Price per Acre: 1661111.1111
  • Lot Size Area: 0.18
  • Lot Dimensions: 35 x 110
  • Parcel Number: 2535351006

Tax Info

  • Tax Amount Summer: 5656.8400
  • Tax Amount Winter: 186.0500
  • Total Tax: 5842.8900
  • Taxable Value: 109.7500

MLS Schools

  • School District: Ferndale

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Nov 23, 2020
Closed on
Dec 31, 2020
Sold by
Binder David and Binder David L
Bought by
Porte Robert
Seller's Agent
Joan Hardy Brown
The Agency Hall & Hunter
Buyer's Agent
Matthew Haase
JCS Realty
List Price
$299,000
Sold Price
$305,000
Premium/Discount to List
$6,000
2.01%
Current Estimated Value
$387,306

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$82,306
Avg. Annual Appreciation
4.52%
Original Mortgage
$270,000
Outstanding Balance
$241,527
Interest Rate
2.71%
Mortgage Type
New Conventional
Estimated Equity
$133,482

Purchase Details

Listed on
Oct 5, 2016
Closed on
Dec 28, 2016
Sold by
Smith Bradley and Smith Pamela
Bought by
Binder David
Seller's Agent
Jonnie Lewandowski
Temporary Inactive Users
Buyer's Agent
Alexa Venezia
Keller Williams Paint Creek
List Price
$245,900
Sold Price
$227,000
Premium/Discount to List
-$18,900
-7.69%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
7.64%
Original Mortgage
$213,750
Interest Rate
4.3%
Mortgage Type
New Conventional

Purchase Details

Listed on
Dec 29, 2011
Closed on
Feb 17, 2012
Sold by
Home Renewal Systems Llc and Katzen Jeff
Bought by
Smith Bradley and Smith Pamela
Seller's Agent
Jeff Katzen
Home Renewal Realty, LLC
Buyer's Agent
Dawne Ripinski
Century 21 Curran & Oberski
List Price
$19,900
Sold Price
$15,000
Premium/Discount to List
-$4,900
-24.62%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
74.70%

Purchase Details

Closed on
Aug 20, 2009
Sold by
Secretary Of Housing & Urban Development
Bought by
Home Renewal Systems Llc

Purchase Details

Closed on
Oct 10, 2007
Sold by
Chase Home Finance Llc
Bought by
Hud

Purchase Details

Closed on
Apr 3, 2007
Sold by
Bedford Donald J
Bought by
Chase Home Finance Llc

Purchase Details

Closed on
Jun 12, 1998
Sold by
Bedford Joan S
Bought by
Bedford Donald J
Source: Public Records

Range of Values:

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Average Value
Not Available
List Price
Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area

Source: Public Records

Purchase History

Date Buyer Sale Price Title Company
Porte Robert $305,000 Equity Title Agency Llc
Binder David $227,000 Title Express Llc
Smith Bradley $15,000 Reputation First Title Agenc
Home Renewal Systems Llc $19,200 None Available
Hud -- None Available
Chase Home Finance Llc $58,761 None Available
Bedford Donald J $61,000 --
Source: Public Records

Mortgage History

Date Status Borrower Loan Amount
Open Porte Robert $270,000
Previous Owner Binder David $213,750
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
12/31/2020 12/31/20 Sold $305,000 +2.0% $221 / Sq Ft
11/30/2020 11/30/20 Pending -- -- --
11/23/2020 11/23/20 For Sale $299,000 +31.7% $217 / Sq Ft
12/28/2016 12/28/16 Sold $227,000 -7.7% $165 / Sq Ft
11/12/2016 11/12/16 Pending -- -- --
11/01/2016 11/01/16 For Sale $245,900 0.0% $178 / Sq Ft
10/10/2016 10/10/16 Pending -- -- --
10/05/2016 10/05/16 For Sale $245,900 +1539.3% $178 / Sq Ft
02/17/2012 02/17/12 Sold $15,000 -24.6% $22 / Sq Ft
02/15/2012 02/15/12 Pending -- -- --
12/29/2011 12/29/11 For Sale $19,900 -- $29 / Sq Ft
Source: Realcomp

Tax History Compared to Growth

Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2024 $9,617 $203,650 $0 $0
2023 $9,379 $192,970 $0 $0
2022 $9,178 $172,800 $0 $0
2021 $9,090 $164,240 $0 $0
2020 $5,883 $154,660 $0 $0
2019 $5,982 $144,610 $0 $0
2018 $6,005 $128,580 $0 $0
2017 $5,928 $103,030 $0 $0
2016 $4,138 $87,170 $0 $0
2015 -- $43,220 $0 $0
2014 -- $38,640 $0 $0
2011 -- $47,180 $0 $0
Source: Public Records

Agents Affiliated with this Home

  • Joan Hardy Brown

    Seller's Agent in 2020

    Joan Hardy Brown

    The Agency Hall & Hunter

    (248) 709-3916

    1 in this area

    37 Total Sales

    Joan Hardy Brown
    Section Image

  • M

    Buyer's Agent in 2020

    Matthew Haase

    JCS Realty

    Section Image

  • J

    Seller's Agent in 2016

    Jonnie Lewandowski

    Temporary Inactive Users

    Section Image

  • A

    Buyer's Agent in 2016

    Alexa Venezia

    Keller Williams Paint Creek

    Section Image

  • J

    Seller's Agent in 2012

    Jeff Katzen

    Home Renewal Realty, LLC

    Section Image
  • Dawne Ripinski

    Buyer's Agent in 2012

    Dawne Ripinski

    Century 21 Curran & Oberski

    (248) 330-9199

    5 in this area

    53 Total Sales

    Dawne Ripinski
    Section Image
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Map

Source: Realcomp

MLS Number: 2200095900

Realcomp

APN: 25-35-351-006

Michigan Oakland County Ferndale 48220

440 Spencer St, Ferndale, MI

This home is located at 440 Spencer St, Ferndale, MI 48220 since 23 November 2020 and is currently estimated at $387,306, approximately $281 per square foot. This property was built in 1955. 440 Spencer St is a home located in Oakland County with nearby schools including Ferndale Lower Elementary Campus, Ferndale Upper Elementary Campus, and Ferndale Middle School.

Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.

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IDX information is provided exclusively for consumers' personal, noncommercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The accuracy of all information, regardless of source, is not guaranteed or warranted. All information should be independently verified.
Listing Information presented by local MLS brokerage: Ten-X, local REALTOR®- Arlene Richardson - (888)-952-6393

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