524 E Saratoga ST , Ferndale, MI 48220
Est. $2,358/mo with current taxes · · See the breakdown
About this home
Welcome to 524 E. Saratoga Street in Ferndale! This charming four-bedroom home offers classic character, versatile living space, and a location that puts you close to everything that makes Ferndale such a desirable place to call home. With four bedrooms and one full bath, there’s room to accommodate a variety of living arrangements, whether you need extra space for family, guests, a home office, or hobbies. Outside, enjoy a fenced backyard with room to relax, entertain, garden, or let pets play. The detached garage offers additional storage and a unique mechanic’s pit — a standout feature for automotive enthusiasts and hobbyists alike! Major improvements provide added peace of mind, including a new roof in 2023, central air conditioning in 2020, updated 200-amp electrical service in 2021, and replacement of interior galvanized water supply lines in 2019. Additional improvements include basement drainage and a sump pump system, floor joist stabilization, chimney repairs, and new second-floor and porch carpeting. Enjoy the best of Ferndale living with convenient access to downtown’s eclectic mix of local restaurants, independent shops, entertainment, coffee spots, and community events. Nearby parks, recreation, and easy access to major roadways make it simple to enjoy the neighborhood and connect with the greater Metro Detroit area. If you’re looking for space, functionality, a fenced yard, and a location close to Ferndale’s vibrant local scene, this home is full of possibilities!
Monthly payment
The tax line is the seller's current bill from the MLS. Michigan uncaps the taxable value the year after a sale, so tap See uncapped taxes for what a buyer will likely pay then.The uncapped tax line is this home's bill after it uncaps: half the price times 47.16 mills, the 2025 homestead rate here. Insurance is a $2,400/yr placeholder and PMI 0.55% of the loan below 20% down. An estimate, not a loan quote.
The facts
| Price | $284,980 |
| Beds | 4 |
| Baths | 1 full |
| Square feet | 1,256 |
| Type | Single family residence |
| Subdivision | THE LITTLE FARMS |
| County | Oakland |
| MLS # | 20261088096 |
| Listed | 2026-10-30 |
| Days on market | 4 |
| Year built | 1925 |
| Possession | Negotiable |
| Stories | 2 stories |
| Basement | Unfinished |
| Heating | Forced air, Natural gas |
| Foundation | Basement, Block |
| Garage spaces | 2.5 |
| Water / Sewer | City water & sewer |
| Fireplace | Yes |
| Parcel number | 2534229002 |
| Listing office | Quest Realty LLC |
Property taxes: the seller's bill vs. yours
| This seller today | You, the year after buying | |
|---|---|---|
| Taxable value | $97,780 | about $142,490 |
| Yearly property tax | $5,031 | about $6,719 |
Michigan caps a homeowner's taxable value until the home sells, then it resets. That's about $1,688 a year more than this seller pays. The assessor's state equalized value (SEV) is $129,710. Your taxable value resets to the SEV the year after you buy, and assessors usually raise it to about half the sale price. Estimate uses Ferndale's 2025 homestead rate of 47.16 mills and assumes you claim the homestead exemption. See Ferndale's full tax breakdown or run the uncapping calculator.
Location
IDX provided courtesy of Realcomp II Ltd. via Match Realty LLC and Realcomp II Ltd, ©2026 Realcomp II Ltd. Shareholders. The accuracy of all information, regardless of source, is not guaranteed or warranted. All information should be independently verified. Listings refreshed 2026-11-03T10:57+00:00; refreshed at least twice daily.