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

$450,000

COMING SOON Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 61015886 MLS

Unique peninsula location. Located in one of Royal Oak's most desirable neighborhoods, this 3-bedroom, 2-bath bungalow offers exceptional potential with over 2,200 square feet of finished living space. Whether you're looking to renovate, invest, or create your forever home, this property provides a rare opportunity. The main level features a comfortable living room that flows into the dining area and kitchen, along with a versatile four-season room. A main-floor bedroom and full bath provide added flexibility, while two additional bedrooms are located upstairs. The finished basement offers valuable additional living space with a large family room, second full bath, laundry area. Outside, enjoy a fenced backyard, covered front porch, covered patio, detached garage with electricity, and the added privacy and curb appeal of a corner lot.

4306 Robinwood Avenue, Royal Oak

Listing Courtesy of EXP Realty The Perna Team, Office Phone: 888-501-7085

$399,900

COMING SOON Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 61015661 MLS

555 Englewood Avenue, Royal Oak

Listing Courtesy of Century 21 Curran & Oberski, Office Phone: 248-264-1700

$364,900

ACTIVE Status ⋅ 3 Beds ⋅ 1 Baths ⋅ 50216538 MLS

Just bring your personal belongings!! Move-in ready! In one of Royal Oak's most desirable neighborhoods, this home is just a 5-30 minute walk to parks, restaurants, shopping, nightlife, and more! Do you need space for an office? Want a playroom or gym? Nursery? Office/flex space has a closet and could be used as 4th bedroom - you have many options! This charming home features hardwood floors, a bright living space, and an updated kitchen with granite countertops, glass tile backsplash, peninsula seating, and stainless-steel appliances including a new oven and refrigerator. Recent updates include new carpet, lighting, window treatments, a new hot water heater, and a new garage door. Furnace 7 years old. Enjoy the fully fenced backyard with patio, grassy area, and included gazebo, perfect for relaxing or entertaining. Close to Main Street, I-75 & I-696. Immediate occupancy!

608 S Edgeworth Avenue, Royal Oak

Listing Courtesy of RE/MAX First, Office Phone: 586-792-8000

$540,000

COMING SOON Status ⋅ 2 Beds ⋅ 3 Baths ⋅ 61015679 MLS

Walk to Downtown Royal Oak from this beautifully designed 2020 townhome offering nearly 1,900 square feet of modern living, an attached two-car garage, and a bright open floor plan just minutes from restaurants, shopping, nightlife, and quick access to I-75. The main living level was designed for everyday living and entertaining with soaring ceilings, abundant natural light, wide-plank flooring, and a spacious great room anchored by a cozy gas fireplace. The chef-inspired kitchen features granite countertops, a large center island with seating, stainless steel appliances, a gas range, undermount sink, and generous cabinet space, all flowing seamlessly into the dining and living areas. Upstairs, both bedrooms offer the privacy of their own ensuite bathrooms and walk-in closets with built-in organization systems. A true second-floor laundry room with cabinetry and utility sink adds everyday convenience. Enjoy morning coffee or evening relaxation on the private balcony, while the attached two-car garage provides exceptional storage and convenience rarely found in Royal Oak condos. Built in 2020, this low-maintenance home offers newer construction with modern finishes throughout. The HOA includes water, trash, snow removal, landscaping, and exterior maintenance, allowing more time to enjoy everything Downtown Royal Oak has to offer. Combining contemporary design, thoughtful functionality, and an unbeatable walkable location, this move-in-ready townhome delivers the lifestyle today's buyers are looking for.

713 E 11 Mile Road, Royal Oak

Listing Courtesy of EXP Realty The Perna Team, Office Phone: 888-501-7085

$499,900

ACTIVE Status ⋅ 6 Baths ⋅ 61015482 MLS

Investment Opportunity - Fully Leased Ranch-Style Triplex in Prime Royal Oak Location...Excellent opportunity to own a well-maintained, income-producing three-unit ranch-style triplex in the heart of Royal Oak. This property is fully occupied with stable tenants and generates $3,900 per month in rental income, offering immediate cash flow with upside potential through future rent increases...The property features two beautifully updated units with central air conditioning, in-unit washer and dryer, dishwashers, and newer furnaces, providing modern conveniences that attract and retain quality tenants. The third unit offers a functional layout with a dishwasher and newer water heater. Ranch-style living is highly desirable, with all units offering single-level convenience and low-maintenance living. Current rental breakdown: Unit A: $900/month (lease through April 2027) Unit B: $1,500/month (lease through October 2026) Unit C: $1,500/month (lease through July 2027) Located just minutes from downtown Royal Oak, shopping, restaurants, parks, and major freeways, this property combines a strong location with reliable income. Whether you're looking to expand your investment portfolio or complete a 1031 exchange, this turnkey triplex is an outstanding opportunity in one of Metro Detroit's most desirable rental markets. Start generating income from day one.

219 W 12 Mile Road, Royal Oak

Listing Courtesy of Own It Realty, Office Phone: 313-395-0000

$439,000

ACTIVE Status ⋅ 4 Beds ⋅ 2 Baths ⋅ 61015257 MLS

Welcome to 2249 Benjamin Avenue, a remodeled Cape Cod offering a versatile four-bedroom, two-and-a-half-bath layout in a highly desirable Royal Oak location. Fresh exterior paint and classic brick construction create inviting curb appeal, while the deep 50-by-135-foot lot provides a fenced backyard, mature trees and a detached two-car garage. Inside, the main level has been thoughtfully updated with new flooring, fresh paint, new interior doors, a new furnace and central air conditioning. The bright new kitchen features white shaker-style cabinetry, light countertops, recessed lighting and new stainless-steel appliances. The spacious living room is highlighted by a fireplace, large front window and charming arched openings, while the adjoining dining room is ideal for everyday meals and entertaining. Two generously sized bedrooms and a beautifully remodeled full bath are located on the main floor, creating flexibility for a first-floor primary bedroom, home office or guest space. The primary bedroom also opens to a private backyard patio, an inviting place to enjoy morning espresso or tea, read a favorite book or simply relax outdoors. Upstairs, two additional large bedrooms and a full bath offer excellent space and separation. The upper level has been well maintained and retains much of its original character, including the period-style bathroom, creating a nice blend of classic charm and updated main-floor living. The home also features older Pella windows that remain in excellent working order. The large unfinished basement is ready for the next owner's remodeling ideas and offers abundant space for storage, recreation, exercise, a workshop or future finished living area. Located just east of Woodward and north of 12 Mile, the home offers convenient access to downtown Royal Oak, downtown Berkley, Birmingham, neighborhood parks, shopping, dining and the I-75 and I-696 corridors. Well-regarded Royal Oak Schools complete this move-in-ready opportunity.

2249 Benjamin Avenue, Royal Oak

Listing Courtesy of Max Broock, REALTORS(r)-Bloomfield Hills, Office Phone: 248-644-4700

$225,000

COMING SOON Status ⋅ 2 Beds ⋅ 2 Baths ⋅ 61015047 MLS

Open house! Sunday, August 2nd from 12pm-2pm. Royal Oak's leading home seller presents this bright and open two story condo where easy comfort meets a peaceful, tree lined courtyard setting. Two large bedrooms, one and a half baths, and a full basement give this one plenty of room to stretch out. A covered front porch entry sits along a beautifully landscaped courtyard shaded by mature trees. Inside, the living room and dining area flow together with an exposed staircase and oversized sliding glass doors at the back that pull in natural light all day. The galley kitchen offers ample cabinet space, generous counter space, and a sunny breakfast nook with built in cabinetry and a work surface overlooking the courtyard. A convenient half bath finishes off the first floor. Upstairs, two large bedrooms share a Jack and Jill style full bath with a double vanity. The primary bedroom provides ample closet space, and the second bedroom includes a walk in closet and lots of natural light. The full basement adds laundry with a utility sink plus tons of storage, and the washer and dryer are included. Private outdoor space sits just off the sliding doors, with low maintenance living in a well kept community setting. Welcome Home!

3531 Crooks Road, Royal Oak

Listing Courtesy of Good Company, Office Phone: 248-733-5811

$525,000

COMING SOON Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 61015035 MLS

Open house! Saturday, August 1st from 12pm-2pm. Royal Oak's leading home seller presents this bright and spacious two story that pairs timeless character with easy everyday living across three bedrooms and two full baths. Fantastic curb appeal with lush landscaping and a paver walkway up to the covered front entry. Inside, an open entry vestibule opens to both the living room and family room. The large living room features a natural fireplace framed by leaded glass windows, hardwood floors, crown molding, and an arched passageway to the stairwell, with French doors leading back to the kitchen and dining area. Stunning kitchen sits fully open to the dining space beneath vaulted ceilings, offering a large center island, granite counters, stainless steel appliances, and ample cabinet space. The dining area is anchored by a gas fireplace and a beamed vaulted ceiling, with doors out to the back patio. Convenient first floor full bath with a tiled shower. Upstairs, three bedrooms share a full bath, including a generous primary with plenty of closet space, plus stairs leading to unfinished attic storage. The finished basement adds a great hangout space along with a built in work area, laundry, and storage. Beautiful fenced backyard with a large paver patio, manicured green space, and a detached two and a half car garage. Great location close to Ferndale, downtown Royal Oak, and a short drive to downtown Detroit. Welcome Home!

2230 Maplewood Avenue, Royal Oak

Listing Courtesy of Good Company, Office Phone: 248-733-5811

$250,000

COMING SOON Status ⋅ 3 Beds ⋅ 1 Baths ⋅ 61015037 MLS

Open house! Saturday, August 1st from 12pm-2pm. Royal Oak's leading home seller presents this well-kept brick ranch that delivers easy one-floor living with three bedrooms, a full bath, a finished basement, and a shady fenced backyard. The front entry opens to a bright living room with hardwood floors, coved ceilings, and a wide window that pulls in lots of natural light, flowing into a dining area with matching hardwood floors. The kitchen sits just beyond with generous wood cabinetry, open shelving for everyday essentials, and a window above the sink. A center hallway with hardwood floors leads to three bedrooms and a full bath with a tiled tub surround. One bedroom opens through a glass-paned door to a family room addition with a beamed ceiling, paneled walls, and a sliding door to the backyard. Downstairs, the finished basement adds serious living space with a gas fireplace, room for a seating area and a game or dining setup, and a workshop with a built-in workbench and pegboard storage, plus a separate laundry area with utility sink and built-in cabinetry. Outside, the fenced yard is shaded by mature trees and framed by a privacy fence, with a charming finished outbuilding featuring double doors, a vaulted plank ceiling, and wood flooring, ideal for storage, tools, or a hobby space. Close to everything Royal Oak has to offer. Welcome Home!

724 Wellesley Avenue, Royal Oak

Listing Courtesy of Good Company, Office Phone: 248-733-5811

$525,000

COMING SOON Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 61015038 MLS

Open house! Saturday, August 1st from 12pm-2pm. Royal Oak's leading home seller presents this handsome colonial that pairs classic character with thoughtful updates across three bedrooms, two full baths, and a private backyard made for entertaining. A covered front porch opens to a welcoming entry foyer with hardwood floors, leading into a bright living room with crown molding and generous front windows. The living room flows into a traditional dining room with a built-in window bench with storage drawers, then continues into an open kitchen anchored by a large center island, a farmhouse sink, subway tile backsplash, stainless steel appliances, recessed lighting, and an exposed brick accent. The kitchen opens directly to a back family room with a vaulted shiplap ceiling, a river rock fireplace, and sliding glass doors to the deck. Upstairs, three bedrooms share a full bath with a double vanity, a tiled tub and shower with built-in niches, and a stained glass window. One of the bedrooms offers access to the attic space for additional storage. The partially finished basement adds a finished bonus room, a second full bath, laundry, and plenty of storage. Outside, the fenced backyard features a wrap-around wood deck, a hot tub, a separate sitting area, and a detached two car garage. Close to parks and schools with a short drive to downtown Royal Oak. Welcome Home!

308 E Lawrence Avenue, Royal Oak

Listing Courtesy of Good Company, Office Phone: 248-733-5811

$330,000

ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 61014805 MLS

Remarkable home for entertaining large gatherings. Or, add one wall and easily turn it into a first floor 4th bedroom suite. You will appreciate the very large kitchen, large first floor full bath, excellent family room, first floor laundry room, and especially how well maintained this home has been kept from this long-term owner. The spacious deck has ample room to move your gathering outside to entertain. Plenty of backyard room to build a garage. Close to highway transportation, shopping and dining.

926 Bauman Avenue, Royal Oak

Listing Courtesy of KW Metro, Office Phone: 248-288-3500

$299,000

ACTIVE Status ⋅ 3 Beds ⋅ 3 Baths ⋅ 61014794 MLS

If you've been looking for a home with personality in a location that's hard to beat, this Royal Oak ranch is worth a look. Just a short walk from downtown shops, restaurants, and parks, it offers the charm of an established neighborhood with the updates today's buyers appreciate. The open kitchen is the heart of the home, featuring stainless steel appliances, a large island with custom concrete countertops, a stone work surface, roll-out cabinets, and a convenient pot filler. Large windows bring in plenty of natural light, and newer flooring adds to the home's warm, comfortable feel. Both bathrooms have been nicely updated. A sliding door leads to the composite deck and one of the home's best features, the private, fully fenced backyard. Whether you're grilling with friends, gathering around the built-in firepit on a cool evening, or simply enjoying the peaceful setting, this backyard is made to be used. Tucked into the corner is a charming swing nestled beneath a beautiful, mature bush that creates a quiet little retreat you'll look forward to escaping to. A large shed provides plenty of room for tools, lawn equipment, and seasonal storage. The professionally waterproofed basement provides even more usable space with a partially finished family room, a generous workshop, and a laundry area with endless possibilities. Keep it as is, or transform it into an incredible laundry room, hobby space, craft room, or home gym. All appliances are included, making moving in that much easier. The current owners have loved living here, and they'll also tell you one of the biggest highlights isn't inside the house at all. It's the wonderful neighbors who have made this feel like home.

227 S Dorchester Avenue, Royal Oak

Listing Courtesy of Keller Williams Paint Creek, Office Phone: 248-609-8000

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