Royal Oak Homes with FHA Financial terms

Royal Oak Homes with FHA Financial terms

Welcome to Royal Oak, Michigan, a vibrant city nestled in the heart of Oakland County. Known for its charming neighborhoods, thriving arts scene, and friendly community spirit, Royal Oak offers a unique blend of suburban comfort and urban excitement. With its tree-lined streets, historic architecture, and a bustling downtown area filled with shops, restaurants, and entertainment venues, Royal Oak is a place where residents can truly enjoy the best of both worlds.

One of the standout features of Royal Oak is its commitment to community and culture. The city hosts a variety of events throughout the year, including art fairs, music festivals, and farmers' markets, making it easy for residents to connect and engage with one another. Families will appreciate the excellent schools and parks, while young professionals will find a lively nightlife and diverse dining options just a stone's throw away.

For those considering making Royal Oak their home, there are a variety of housing options available, including charming bungalows, modern condos, and spacious family homes. What’s more, many of these homes qualify for FHA financing, making it easier for first-time buyers to enter the market. FHA loans are designed to assist individuals and families with lower down payments and more flexible credit requirements, allowing you to turn your dream of homeownership into a reality.

Whether you’re drawn to the city’s rich history, its dynamic community, or the affordability of its homes, Royal Oak is a wonderful place to call home. Come and discover the charm of Royal Oak today!

Newest Royal Oak Homes with FHA Financial terms

$1,250,000
COMING SOON Status ⋅ 5 Beds ⋅ 5 Baths ⋅ 61029633 MLS
New construction without the wait! Refined living in this exceptional 2023 custom-built SW Luxury Homes residence. Designed w/ a distinct contemporary aesthetic, the home makes a striking 1st impression w/ its crisp white brick facade, charcoal accents, & clean-lined windows. A dramatic roofline extends beyond the home's footprint creating a unique silhouette & adds dimension to the exterior. The approach is intentional w/ a new concrete driveway, uniform landscaping & warm exterior lighting that beautifully illuminates after dark. An irrigation system for effortless maintenance & fully fenced backyard w/ stone patio provides a private outdoor setting. Inside expansive windows & an open floor plan create a sense of effortless elegance. 9-foot ceilings & white oak plank hardwood flooring span throughout much of the home - new carpet runners w/ a pop of color installed on the staircases leading to the upper & lower levels. 1st floor library is wrapped in floor-to-ceiling corner windows bringing the outdoors in. The showpiece kitchen is outfitted w/ quartz countertops, an 8 ft waterfall island, premium Bosch appliances, abundant lower cabinetry drawers, walk-in pantry w/ custom shelving & a new under sink WaterDrop filtration system. The living area centers around a sleek fireplace, creating a warm gathering space. Primary suite's atmosphere is that of a boutique hotel, w/ oversized windows, soft lighting, a custom walk-in closet, dual-quartz vanities, spa shower & private water room. 3 additional bedrooms, 2 more full bathrooms & dedicated laundry room complete the 2nd level. Attached 2-car garage features epoxy flooring & connects directly to a custom-built mudroom. The finished lower level extends the living space & provides a 5th bedroom & 4th full bath--ideal for guests, recreation, home office, or flexible living arrangements. Other conveniences integrated throughout: select remote-controlled blinds, new window treatments, & comprehensive home security system.

3426 Hunter Avenue, Royal Oak

Listing Courtesy of Crain Homes, Office Phone: 248-940-5510
$469,900
ACTIVE Status ⋅ 4 Beds ⋅ 2 Baths ⋅ 61029346 MLS
Welcome home to this fully updated colonial in the heart of Royal Oak, just steps from Clawson Park! This 4-bedroom home has been thoughtfully upgraded from top to bottom, featuring an updated kitchen with brand new cabinets and quartz countertops, renovated bathrooms, fresh paint throughout, new flooring upstairs with refinished hardwood on the ground floor, and much more. The freshly finished basement also adds great additional living space and even includes flooring and plumbing already in place for an easy future bathroom addition. A 2-car detached garage provides plenty of parking and extra storage. Additional updates include a newer A/C and a brand new electrical panel and system, completed fully licensed and permitted. Don't miss this move-in ready gem in a fantastic location! BATVAI

3103 Ferncliff Avenue, Royal Oak

Listing Courtesy of New Era Real Estate LLC, Office Phone: 855-639-3720
$254,900
ACTIVE Status ⋅ 3 Beds ⋅ 3 Baths ⋅ 61029412 MLS
Welcome to this charming Royal Oak townhouse offering abundant natural light, spacious living areas, and thoughtful updates throughout. The inviting main level features new flooring, a cozy gas fireplace with brick surround, and a large doorwall that opens to a private patio--perfect for relaxing or entertaining. The dining area provides a comfortable space for morning coffee or casual meals. Upstairs, you'll find three spacious bedrooms, two full bathrooms, and generous closet space throughout. The primary suite features a beautifully updated full bathroom (2021). Additional updates include new light switches and electrical outlets (2021), a new A/C system (2024), and a new private patio (2025). The basement offers durable epoxy flooring and abundant storage space. Residents enjoy an array of community amenities, including a clubhouse, in-ground pool, party room, workspaces, and beautifully maintained grounds. The monthly association fee includes gas, water, lawn care, exterior maintenance, roof, and snow removal. Conveniently located near downtown Royal Oak, Clawson, and I-75, this home offers an ideal combination of comfort, convenience, and community amenities. Private entry * Clubhouse * Community pool Buyer and Buyer's Agent to verify all information, measurements, and any information deemed material to the purchase.

1928 S Wickham, Royal Oak

Listing Courtesy of Max Broock Realtors, Office Phone: 248-851-4100
$259,000
ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 61028903 MLS
This is the one you been waiting for. Cute 3 bedroom townhouse style home. Property is one side of a duplex that has separate roofs, garages utilities and decks. Its really well designed for privacy that you want. Its a short drive or walk to downtown Royal Oak. Property offers three nice sized bedrooms with 2 full baths. Attached one car garage. Galley style kitchen with large living room New deck that overlooks a private yard. Newer roof, new HVAC system. This is a must see property.

605 Amelia Avenue, Royal Oak

Listing Courtesy of Signature Sotheby's International Realty Bham, Office Phone: 248-644-7000
$374,900
ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 61028992 MLS
**MULTIPLE OFFERS RECEIVED. HIGHEST & BEST DUE SUNDAY, 9/13 @3PM** Charm, character and thoughtful updates come together in this stunning and inviting bungalow, ideally located just minutes from vibrant Downtown Royal Oak and near multiple parks! Beautifully updated throughout in 2025, this home seamlessly blends modern-day comfort with the warmth and personality that make it truly special. Step inside to a bright, welcoming interior filled with natural light, warm hardwood floors, door-wall in living room flowing outdoors and charming architectural details! The updated kitchen features crisp white cabinetry, butcher block countertops and vintage-inspired appliances that perfectly complement the character of the home. The light-filled family room is made for gathering, complete with a wood-burning stove and an additional door-wall leading to a stone patio and pergola--perfect for entertaining, summer dinners or quiet evenings outdoors! Two bedrooms are conveniently located on the main floor along with an updated main hall bath. Upstairs, the private primary suite offers its own bright full bath and peaceful retreat. A finished lower level adds even more flexible living space for home office, workout space or playroom. Updates: Kitchen, Bathrooms, Paint, HWH-2025; Basement Waterproofing, Air Purifier, Return air ducts basement-2022; New humidifier-2018; HVAC-2017; Roof-2012. With mature landscaping, thoughtfully designed indoor and outdoor spaces and a location just minutes from the shopping, dining and energy of Downtown Royal Oak, this character-filled home is truly something special and one you will not want to miss!

807 N Gainsborough Avenue, Royal Oak

Listing Courtesy of The Agency Hall & Hunter, Office Phone: 248-644-3500
$349,999
ACTIVE Status ⋅ 4 Beds ⋅ 2 Baths ⋅ 61029107 MLS
Welcome home to this stunning Royal Oak bungalow. The curb appeal will captivate you immediately, with the exterior painted and a new roof (house and garage) installed in 2024. Additionally, the landscape and hardscape just updated in 2026. This home boasts original hardwood floors throughout the first level. The entire interior has been painted from top to bottom, and new carpet has been installed on the second level and stairways (2026). Upstairs, you'll find a spacious area with two separate bedrooms and an updated half bathroom. The fourth bedroom offers flexibility, serving as a bedroom, dining room, or playroom for children or adults. The kitchen has been updated with granite countertops, additional cabinets, new appliances, and a fold-in breakfast nook. The basement is a blank canvas, freshly painted, with a newer water heater and furnace. Plumbing stub-ins already in place for basement bathroom, major saving on time and money in the future. It's also waterproofed inside and out with an additional sump pump and French drain, and it includes a brand new washer and dryer. This house is ready to move in and well-maintained, providing you with peace of mind. It's located in a great neighborhood, close to parks, restaurants, freeways, and entertainment options.

431 N Edgeworth Avenue, Royal Oak

Listing Courtesy of DOBI Real Estate, Office Phone: 248-385-3350
$499,000
COMING SOON Status ⋅ 4 Beds ⋅ 2 Baths ⋅ 61028838 MLS
Step inside this Bright and open Royal Oak cape cod down the street from desirable downtown Clawson. The inviting floor plan with wood floors throughout, seamlessly flows from the kitchen to the living room and nice-sized dining area that opens to the backyard. Kitchen features granite countertops and newer stainless steel appliances. The main floor offers two bedrooms and a full bath. Upstairs, an oversized primary suite impresses with a walk-in closet, additional closet, gas fireplace, and spa-like bath with soaking tub and dual vanities, plus a second bedroom ideal for an office or nursery. The finished basement completes the home with a laundry room, workshop and a second family room. Recent updates include fresh paint throughout, with custom shades and drapery, newer washer/dryer, oven, dishwasher, and new A/C (2024). This one-of-a-kind home is move-in ready, so don't miss out!

306 Jeffrey Avenue, Royal Oak

Listing Courtesy of DOBI Real Estate, Office Phone: 248-385-3350
$399,999
ACTIVE Status ⋅ 4 Beds ⋅ 3 Baths ⋅ 61028443 MLS
Charming renovated Craftsman-style home in the heart of Royal Oak, just walking distance to downtown shops, dining, and entertainment. This move-in-ready property features a brand-new roof, new windows, and fresh paint throughout, creating a bright and inviting atmosphere. Rich wood flooring flows seamlessly through the home, adding warmth and timeless character. The stunning, fully updated kitchen showcases elegant marble finishes and opens to the main living space--perfect for everyday living and entertaining. Large windows fill the home with natural light, enhancing the open feel and highlighting the quality craftsmanship throughout. Enjoy a fully fenced yard, offering privacy and space for outdoor gatherings, pets, or relaxing evenings. Combining classic Craftsman charm with modern updates and an unbeatable location near downtown Royal Oak, this home delivers the perfect blend of style, comfort, and convenience. Owner is a licensed agent. B.A.T.V.A.M

121 S Edison Avenue, Royal Oak

Listing Courtesy of Powell Real Estate, Office Phone: 248-914-3682
$500,000
ACTIVE Status ⋅ 5 Beds ⋅ 2 Baths ⋅ 61028581 MLS
Just a short walk from the heart of downtown Royal Oak, this beautifully updated 1920 home has all the character you love about an older home, with the conveniences that are nearly impossible to find in one. Five bedrooms, a spacious walk-in closet in the primary suite, an attached garage, the ultimate mudroom, and a private rooftop deck off the primary bedroom. Seriously, how often do you find all of that in a home built in 1920? Grab coffee downtown on a Saturday morning, meet friends for dinner, or come home and unwind on your own private rooftop deck. Inside, you'll find warm, inviting living spaces, thoughtful updates, and plenty of room to spread out. The finished basement gives you even more flexibility for a movie room, home gym, playroom, office, or whatever life calls for. And now, there's a brand-new roof, too! This is one of those homes that gives you the charm of an established Royal Oak neighborhood without asking you to give up the things you actually want in a home. If you've been waiting for something with character, functionality, and a location that lets you enjoy everything downtown Royal Oak has to offer, this one is definitely worth a look.

915 E 6th Street, Royal Oak

Listing Courtesy of KW Domain, Office Phone: 248-590-0800
$449,900
ACTIVE Status ⋅ 4 Beds ⋅ 2 Baths ⋅ 61028878 MLS
Positioned just steps from downtown Royal Oak, this meticulously maintained 4-bedroom 2 bath home offers over 1,600 square feet of thoughtfully updated living space. Original character carries through this 1917 Craftsman with wood flooring that grounds each space in warmth, while recent updates introduce a functional edge. The spacious living room creates a natural gathering point with a relaxed, inviting atmosphere. The kitchen has been refreshed, offering a large island and custom cabinets. Large primary bedroom featuring his & hers closets. This floor plan offers flexibility with a first floor office/den and second floor room that is perfect for a nursery or home office. Beautifully updated primary bath featuring a claw-foot tub. Enjoy flexible space for entertaining, storage or a home gym in the partially finished basement. Cedar shake roof has been recently replaced. The massive corner lot with a fenced in backyard is absolutely perfect for relaxing, playing with the kids or entertaining friends. Located in the heart of all that Royal Oak has to offer, please schedule your showing today, this incredible home won't last!

233 E Farnum Avenue, Royal Oak

Listing Courtesy of Signature Sotheby's International Realty Bham, Office Phone: 248-644-7000
$335,000
ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 61028934 MLS
** Open Houses Saturday 9/12/26 10am-12pm and Sunday 9/13/26 11am-1pm ** Check out this GORGEOUS 3 bedroom, 2 FULL bath bungalow in the heart of Royal Oak! Walking distance to parks and 5 minutes from downtown Royal Oak! Fully remodeled in 2017, including kitchen, bath, new appliances, upgraded electrical, plumbing and more! Beautiful hardwood floors welcome you into the open concept living room and kitchen! Down the hall you'll find more wood flooring throughout with 2 bedrooms and a full bath. Large, master bedroom upstairs with MORE wood flooring and a RARE, FULL bathroom! Partially finished basement for extra living space, workout area or storage. Fully fenced back yard with a concrete patio and a TWO CAR garage!! New Roof 2018, New A/C 2017. All appliances included! Don't miss out on this opportunity!

1027 N Vermont Avenue, Royal Oak

Listing Courtesy of EXP Realty Shelby, Office Phone: 586-935-2064
$650,000
ACTIVE Status ⋅ 3 Beds ⋅ 4 Baths ⋅ 61028925 MLS
Move-in ready in Royal Oak's desirable Vinsetta Park neighborhood! This charming 3-bedroom, 2 full and 2 half bath Colonial offers 1,984 sq ft with Craftsman-style character and thoughtful updates throughout. The open-concept main floor features beautiful built-ins surrounding the gas fireplace, a spacious kitchen with abundant cabinetry and counter space, and a dedicated office. Upstairs, you'll find generously sized bedrooms, including a large primary suite with a walk-in closet, plus convenient second-floor laundry. The finished basement adds approximately 960 sq ft of additional living space and a half bath, perfect for entertaining, a family room, home gym or recreation space. Outside, enjoy the fenced backyard and deck, along with a detached 2-car garage for additional parking and storage. Fresh interior paint and a new water heater add to the move-in-ready appeal, all conveniently located near schools and parks.

1223 Greenleaf Drive, Royal Oak

Listing Courtesy of Wentworth Real Estate Group, Office Phone: 810-955-6600
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