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

717 Orchard View Drive, Royal Oak
$399,000
COMING SOON Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 61042528 MLS
Immaculate Brick Ranch with Extensive Updates and an Incredible Backyard! This classic brick ranch home is in immaculate condition inside and out, reflecting true pride of ownership throughout. Beautifully updated from top to bottom, this move-in-ready home features a refreshed kitchen with custom handmade cabinetry, updated bathrooms, fresh paint, and updated flooring throughout. The home offers a wonderful blend of comfort, functionality, and versatility. The third bedroom opens directly onto a beautifully refinished deck, making it an ideal space for a family room, den, or guest retreat. Step outside to a fully fenced backyard that feels like your own private oasis! Perfect for relaxing or entertaining, this spacious yard also features an impressive oversized shed with plenty of room for motorcycles, recreational equipment, or even a sports car. An oversized garage with offers exceptional flexibility, convenient access, and additional workspace. The fully finished basement nearly doubles the home's usable living space, featuring a second living area, full bathroom, spacious laundry room, workshop or home office area, and abundant storage. Additional highlights include newer HVAC equipment and appliances, along with beautiful refinished hardwood floors hidden beneath the existing carpeting. Meticulously maintained, extensively updated, and ready for its next owner, this exceptional brick ranch offers space, versatility, and outstanding indoor-outdoor living!

717 Orchard View Drive, Royal Oak

Listing Courtesy of Real Broker, LLC Berkley, Office Phone: 248-224-1013
801 Park Avenue, Royal Oak
$629,000
ACTIVE Status ⋅ 4 Beds ⋅ 3 Baths ⋅ 61042535 MLS
Welcome to 801 Park Avenue, a four-bedroom home in Royal Oak's Edgewood Neighborhood, offering nearly 2,000 square feet of above-grade living space and the flexibility to fit a variety of lifestyles. With two full bathrooms, a convenient half bath, and a finished basement providing an additional 546 square feet of usable space, there's room to spread out, work from home, entertain, or unwind. A three-car garage provides generous space for vehicles, storage, or hobbies. Just a short walk from downtown Royal Oak and close to Meininger Park, this location brings together residential neighborhood living and everyday.

801 Park Avenue, Royal Oak

Listing Courtesy of @properties Christie's Int'l R.E. Birmingham, Office Phone: 248-850-8632
706 Dewey Street, Royal Oak
$329,999
COMING SOON Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 61042551 MLS
Classic Royal Oak ranch near 12 Mile and Rochester Rd, with timeless character and many recent updates. This 3-bedroom, 2-bath home has an open floor plan and lots of natural light. It is close to downtown Royal Oak and a short walk to Cody Park. The spacious living room flows into the dining room. Hardwood floors run through the living room, dining room, hallway and a bedroom. The kitchen has neutral wood cabinets and attractive counters, and the appliances are included. The finished basement adds living space, plus storage and a laundry room, with glass block windows for privacy and security. Major updates are done: * Dishwasher and water heater (2026) * Backyard landscaping (2025) * Roof, furnace and vinyl fence (2021) * Refrigerator, sliding door and front window (2019) Out back, the professionally landscaped private yard is great for barbecues, entertaining and family time. You're close to hospitals, schools, shopping, restaurants and entertainment, along with parks for hiking and biking. The expressway is nearby for an easy drive downtown.

706 Dewey Street, Royal Oak

Listing Courtesy of Century 21 Campbell Realty, Office Phone: 248-398-0100
100 W 5th Street Unit 712, Royal Oak
$375,000
COMING SOON Status ⋅ 2 Beds ⋅ 2 Baths ⋅ 61042313 MLS
Downtown loft living, elevated. Perched high above the heart of Royal Oak, this freshly updated loft at Skylofts pairs an industrial edge with a polished, move-in-ready finish. Exposed spiral ductwork, soaring ceilings, and walls of floor-to-ceiling glass flood the home with natural light and frame sweeping skyline views. The open-concept living space is made for entertaining, anchored by a sleek gas fireplace and a statement cluster of cage pendant lighting. The chef's kitchen delivers with a gas range, stainless steel appliances, an oversized granite island with room for barstools, a farmhouse-style stainless sink, and a custom stone and metal mosaic backsplash. Step through the sliding glass doors onto your private balcony and take in the downtown views, a front-row seat to Royal Oak's energy. The primary suite is a true retreat, featuring brand-new plush carpet, a wall of windows, and a spacious walk-in closet with custom built-in organization. The spa-inspired bath offers a frameless glass shower finished in striking linear tile with a pebble floor, a vessel sink, and a granite vanity. A second bedroom, also with new carpet, offers flexibility for guests, a home office, or a creative studio. Fresh paint throughout makes the entire home feel crisp and ready for its next chapter. Skylofts puts you steps from the best of Royal Oak: Main Street dining and nightlife, the Farmers Market, boutique shopping, and entertainment, all at your doorstep.

100 W 5th Street Unit 712, Royal Oak

Listing Courtesy of Thrive Realty Company, Office Phone: 248-256-5046
724 Gardenia Avenue, Royal Oak
$394,900
ACTIVE Status ⋅ 4 Beds ⋅ 2 Baths ⋅ 61042339 MLS
Classic Arts & Crafts charm and thoughtful updates come together in this inviting four-bedroom bungalow, an easy walk from downtown Royal Oak. The classic front porch sets the scene for comfortable summer evenings, while the open floor plan welcomes you inside with gleaming hardwood floors and distinctive coved plaster ceilings in the living and dining rooms. Renovated in 2020, the kitchen features white Shaker cabinetry, 42-inch upper cabinets, and stainless steel appliances. The bathroom was renovated to the studs in 2018 with period-appropriate subway tile that complements the home's character. Four bedrooms offer flexibility for sleeping, hosting guests, or working from home. Step outside to a huge back deck with a pergola and a fenced backyard offering privacy and plenty of room to relax or entertain. An exposed aggregate driveway and approximately 900-square-foot basement with potential for additional finished space round out this charming home.

724 Gardenia Avenue, Royal Oak

Listing Courtesy of RE/MAX Eclipse, Office Phone: 248-620-1000
905 N Kenwood Avenue, Royal Oak
$260,000
ACTIVE Status ⋅ 3 Beds ⋅ 1 Baths ⋅ 61042190 MLS
Welcome home to this charming, well-maintained Royal Oak bungalow that has been lovingly cared for by the same family for decades! Curb appeal greets you instantly with low-maintenance vinyl siding, stacked-stone garden beds, and an inviting covered front porch perfect for morning coffee. Inside, you will find warm wood floors flowing throughout the main living spaces and bedrooms, an open living and dining layout with classic character, a functional kitchen with painted cabinetry and counter space, and a full bathroom featuring classic tile details. Upstairs offers a spacious primary bedroom retreat with wood-paneled accents and built-in character. Head down to the clean, unfinished basement providing ample space for laundry, mechanicals, and storage or future finishing potential. Outside, the fully fenced yard features a long concrete driveway, patio space, green lawn, and a large red storage shed. Location is everything--situated just down the street from Kenwood Park with its baseball diamonds, soccer fields, and children's play structure, and located a little over a mile from vibrant downtown Royal Oak's renowned dining, shopping, and entertainment!

905 N Kenwood Avenue, Royal Oak

Listing Courtesy of Keller Williams Paint Creek, Office Phone: 248-609-8000
1218 Longfellow Avenue, Royal Oak
$299,900
ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 61042000 MLS
Discover the charm and convenience in desirable Royal Oak! This home features hardwood floors, fresh paint, and timeless architectural details that create a welcoming atmosphere throughout. The interior showcases the character and craftsmanship of a bygone era. Spacious living room with cozy fireplace and built-ins. Dining room offers a special gathering space and provides the perfect setting for entertaining family and friends or enjoying everyday meals. Cozy kitchen offers a functional space with an opportunity to bring your own vision and updates with access to basement. 2nd floor offers 3 bedrooms and full ceramic tile bath. Partially finished basement adds versatility, featuring a dedicated laundry room, powder room, and plenty of storage space. Detached garage and fenced in backyard. Just steps from Lawson Park. Enjoy a sought-after community known for its vibrant downtown, local restaurants, shopping, parks, and neighborhood charm. Conveniently located near major roadways and everyday amenities, this home is ready for its next chapter.

1218 Longfellow Avenue, Royal Oak

Listing Courtesy of Max Broock, REALTORS(r)-Bloomfield Hills, Office Phone: 248-644-4700
504 E La Salle Avenue, Royal Oak
$355,000
ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 61042085 MLS
Welcome home to this BEAUTIFULLY UPDATED BRICK RANCH in a fantastic Royal Oak location... ideally situated just minutes from vibrant Downtown Royal Oak & charming Downtown Clawson! If you're looking for modern updates, great outdoor space, & a convenient location, this move-in-ready home is sure to impress. Step inside to discover a bright, inviting living room & dining area with an open floor plan that's perfect for everyday living & entertaining. Gorgeous hardwood flooring flows seamlessly through the living room, dining area & kitchen, creating a warm and cohesive feel throughout. The recently updated kitchen is a standout, featuring beautiful cabinetry, sleek quartz countertops, and stainless steel appliances. The updated bathroom offers fresh, modern finishes, while the bedrooms feature new carpeting with hardwood floors underneath. A full unfinished basement provides laundry area, 1/2 bathroom, glass block windows, plus abundant storage and endless possibilities for additional living space. Outside, enjoy the gorgeous fully fenced backyard with spacious new concrete patio, perfect for outdoor dining, entertaining, or simply relaxing. New concrete at top of driveway, 2-car detached garage, backyard shed, plus prepped for portable generator. With its beautiful updates, inviting layout, & prime location close to shopping, dining, & parks, this move-in ready Royal Oak gem is one you won't want to miss...plus keys at closing!

504 E La Salle Avenue, Royal Oak

Listing Courtesy of Berkshire Hathaway HomeServices Kee Realty, Office Phone: 248-651-1200
634 N Edison Avenue, Royal Oak
$415,000
ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 61041898 MLS
Welcome to this beautifully renovated brick ranch in Royal Oak, offering 1065 sqft of above ground living space and a finished basement. This home has been thoughtfully updated throughout, combining modern finishes with timeless charm. Step inside to discover beautifully refinished hardwood floors, fresh interior paint, and stylish new lighting fixtures. The completely remodeled kitchen features brand new cabinetry, countertops, backsplash, and stainless steel appliances. Both full bathrooms have been beautifully renovated with modern finishes. The finished basement provides additional space for relaxing and entertaining, featuring a newly installed bar that's perfect for gatherings. Additional improvements include a brand-new central air conditioning system. With extensive updates throughout, this move-in-ready home offers comfort, style, and functionality in a desirable Royal Oak location. Don't miss the opportunity to make this beautiful home yours.

634 N Edison Avenue, Royal Oak

Listing Courtesy of National Realty Centers, Inc, Office Phone: 248-724-1234
803 E 3rd Street, Royal Oak
$350,000
ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 70566429 MLS
LOCATION, LOCATION, LOCATION! Opportunity awaits at 803 E. Third Street in the heart of Royal Oak! Bring your vision and creativity to this 3-bedroom home and transform it into something truly special. Whether you're looking to renovate, modernize, or add your own personal touches, this property offers an exciting opportunity to create a home that reflects your style. Enjoy the convenience of being close to downtown Royal Oak's vibrant restaurants, shopping, entertainment, parks, and everyday amenities. With its desirable location and potential for transformation, this is your chance to make a smart investment in one of Metro Detroit's most sought-after communities. Bring your ideas, explore the possibilities, and make this home your own! Being sold as-is.

803 E 3rd Street, Royal Oak

Listing Courtesy of Egdell & Associates Realty, Office Phone: 248-266-2500
3303 Cummings Avenue, Royal Oak
$280,000
ACTIVE Status ⋅ 3 Beds ⋅ 1 Baths ⋅ 61041655 MLS
Fantastic bungalow located in a very nice neighborhood in Royal Oak! This charming 3-bedroom, 1-bathroom home features plenty of natural light! Step inside to find beautifully refinished hardwood floors and an updated porch perfect for relaxing. Situated on a large fenced corner lot, this property offers incredible privacy and outdoor space. Car enthusiasts and hobbyists will love the detached 2-car garage, complete with a dedicated workspace and electricity. The home comes fully equipped with a refrigerator, stove, washer, and dryer, making it truly move-in ready. Enjoy a great location that puts you just minutes from local parks and everything Royal Oak has to offer.

3303 Cummings Avenue, Royal Oak

Listing Courtesy of Good Company, Office Phone: 248-733-5811
1808 W 12 Mile Road, Royal Oak
$299,900
ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 61041523 MLS
NEW ROOF (2026) and NEW SEWER LINE (2025) -- the two biggest-ticket items are already done. Beautifully updated home offering refined finishes and thoughtful design throughout. Elysio Quartz countertops span the kitchen, bathrooms, and fireplace hearth, creating a seamless and upscale aesthetic. The sun-filled living room is highlighted by a custom German-smeared fireplace, providing a warm and sophisticated focal point. The German-smeared front porch enhances curb appeal with timeless character. Abundant natural light fills the main living spaces, complementing the fresh designer paint, new flooring, and modern fixtures throughout. The functional kitchen layout offers excellent flow for everyday living and entertaining. Ideally located with convenient access to downtown Royal Oak's dining, shopping, entertainment venues, parks, and major thoroughfares. Five minutes to Corewell Health William Beaumont University Hospital. Move-in ready and meticulously updated, this home combines style, comfort, and location. Recent updates: Roof replaced 2026. Sewer line replaced 2025. All measurements, including square footage, lot size, and room dimensions, are approximate and not guaranteed. Buyer to independently verify all information.

1808 W 12 Mile Road, Royal Oak

Listing Courtesy of Epique Realty, Office Phone: 248-218-2604
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