Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$190,705$287 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $162,000 on Jul 30, 2019

656 SPENCER ST

FERNDALE, MI 48220
2
Beds
1
Baths
665 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
3,877 ft²
Lot SizeThe size of the land the home sits on, from county records.
1941
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
3
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$191K
$182K low$200K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$162,000 · Jul 30, 2019

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,324 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$80,920 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$76,360
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$161,840

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.8 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Bungalow
CountyOAKLAND
Lot (acres)The size of the land the home sits on, from county records.0.09
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.None
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 28 ft²

Transaction History(4)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Ferndale High SchoolB+
High · Grades 9–12 · 1.5 mi
M
Ferndale Middle SchoolB-
Middle · Grades 6–8 · 1.5 mi
E
Roosevelt Primary School
Elementary · Grades KG–2 · 1.9 mi

District: Ferndale Public Schools

Neighborhood · ZIP 48220These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.145
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.89
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.23

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.33%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.22,111
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.4,977 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$85,013
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$99,762
Average tempThe average temperature here across a full year.49°F
Annual precipHow much rain and melted snow falls here in a typical year.33 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.53%

Owner Tools

Do you own this home?
Claim this home

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

656 Spencer St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 88% of homes in Oakland County
  • Costs more per square foot than 88% of homes in Ferndale 48220
  • Among the smallest homes in Oakland County
  • Has a smaller lot than 98% of homes in Oakland County
  • Older than 88% of homes in Oakland County

What homes are worth in Ferndale 48220

Each bar is how many homes fall in that price range. The marker is this home.

This home
$119K$504K

This home is worth more than 23% of homes in Ferndale 48220.

How it measures up in Ferndale 48220

The dot is this home. The mark in the middle is the typical home in Ferndale 48220.

Estimated value$190,705
CheaperTypical $233,012Pricier

Pricier than 23% of homes nearby

Price per ft²$287
CheaperTypical $226Pricier

Pricier than 88% of homes nearby

Living area665 ft²
SmallerTypical 1,045 ft²Bigger

Bigger than 2% of homes nearby

Lot size3,877 ft²
SmallerTypical 0.12 acBigger

Bigger than 7% of homes nearby

Year built1941
OlderTypical 1941Newer

Newer than 55% of homes nearby

How 656 Spencer St ranks against every home in each area.
MeasureThis homeFerndale 48220Oakland County
Estimated valuepricier than$190,70523% of homes12% of homes
Price per ft²pricier than$28788% of homes85% of homes
Living areabigger than665 ft²2% of homesalmost no homes
Lot sizebigger than3,877 ft²7% of homes2% of homes
Year builtnewer than194155% of homes12% of homes

About 656 Spencer St

How much is 656 Spencer St, Ferndale, MI worth?

The TopHap Estimate for 656 Spencer St, Ferndale, MI is $190,705 as of Sep 24, 2026. The likely range is $181,547 to $199,863. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 656 Spencer St, Ferndale, MI last sell?

656 Spencer St, Ferndale, MI last sold on Jul 30, 2019 for $162,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 656 Spencer St, Ferndale, MI?

656 Spencer St, Ferndale, MI has 2 bedrooms, 1 bathrooms, 665 square feet of living space and a 0.09-acre lot.

When was 656 Spencer St, Ferndale, MI built?

656 Spencer St, Ferndale, MI was built in 1941, making it 85 years old. It is a bungalow home. The building has 1 story.

What schools serve 656 Spencer St, Ferndale, MI?

656 Spencer St, Ferndale, MI is assigned to Ferndale High School (high), rated B+; Ferndale Middle School (middle), rated B-; Roosevelt Primary School (elementary). All sit in Ferndale Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 656 Spencer St, Ferndale, MI compare to other homes in Ferndale 48220?

Among the 9,768 homes in Ferndale 48220, it is worth more than 23% of them ($190,705 against a typical $233,012), its price per square foot is higher than 88% of them ($287 against a typical $226), it is bigger than 2% of them (665 ft² against a typical 1,045 ft²), its lot is bigger than 7% of them (3,877 ft² against a typical 0.12 ac) and it is newer than 55% of them (1941 against a typical 1941). Measured against all of Oakland County, it is worth more than 12% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 656 Spencer St, Ferndale, MI?

The 2025 property tax bill for 656 Spencer St, Ferndale, MI was $3,324. The county assessed it at $80,920.

More homes on Spencer St

Closest homes

More homes in Ferndale 48220

Assigned schools

Explore the area

See this home in context

Open 656 Spencer St on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map