Troy Homes with FHA Financial terms

Welcome to Troy, Michigan – a vibrant city nestled in the heart of Oakland County, known for its outstanding quality of life and thriving community spirit. With its tree-lined streets, well-maintained parks, and a plethora of shopping and dining options, Troy is a perfect blend of suburban charm and urban convenience. This family-friendly city is renowned for its top-rated schools, making it an ideal place for families looking to settle down.

Troy is also home to a diverse population and a strong economy, featuring a mix of corporate headquarters, small businesses, and retail establishments. The city’s commitment to maintaining its green spaces and promoting community engagement shines through in its various events and festivals throughout the year, fostering a strong sense of belonging among residents.

For those considering making Troy their home, the real estate market here offers a variety of options. With homes available under FHA financing terms, prospective buyers can find affordable and accessible pathways to homeownership. The Federal Housing Administration (FHA) loans are designed to assist first-time buyers and those with lower credit scores, making it easier to secure a mortgage. This means you can explore a range of charming single-family homes, modern townhouses, and spacious condos that fit your budget and lifestyle.

Whether you’re drawn to the excellent schools, the vibrant community, or the appealing real estate options, Troy, MI, is a place where you can truly feel at home. Discover the possibilities and start your journey to homeownership in this wonderful city today!

Newest Troy Homes with FHA Financial terms

$479,900

COMING SOON Status ⋅ 4 Beds ⋅ 3 Baths ⋅ 61015814 MLS

Welcome to this beautifully maintained 4-bedroom, 2.5-bath home in the heart of Troy, where elegance, comfort, and thoughtful design come together. The bright, open-concept floor plan showcases a spacious kitchen that flows seamlessly into the inviting living room, complete with a cozy fireplace--creating the perfect space for both everyday living and entertaining. A generous dining area is ideal for hosting family dinners and special gatherings, while the convenient laundry room adds to the home's everyday functionality. Enjoy added peace of mind with a **brand-new roof installed in July 2025**. Step outside to a spacious deck overlooking a large backyard, offering the perfect setting for relaxing, entertaining, or enjoying the outdoors. An attached 2-car garage provides added convenience and storage. Ideally situated near shopping, dining, parks, and top-rated Troy schools, this exceptional home offers the perfect blend of style, space, and location. Don't miss the opportunity to make this stunning property your next home!

2975 Hill Drive, Troy

Listing Courtesy of Top Agent Realty, Office Phone: 248-277-4226

$209,900

ACTIVE Status ⋅ 2 Beds ⋅ 1 Baths ⋅ 70548706 MLS

Welcome to this 2994 Roundtree a two-bedroom, one-bathroom condominium located in Troy, Michigan. This 947 square-foot residence offers living space thoughtfully designed for comfortable everyday living. The property features an attached one car garage for convenient vehicle storage and parking. Situated on a substantial lot, this condo provides an exceptional land-to-building ratio that sets it apart. Whether you're seeking an entry-level investment or a straightforward residential property, this Troy condominium presents a solid opportunity.

2994 Roundtree Drive, Troy

Listing Courtesy of Cornerstone Real Estate, Office Phone: 734-316-5886

$1,050,000

COMING SOON Status ⋅ 5 Beds ⋅ 4 Baths ⋅ 61015350 MLS

Built in 2024 and loaded with custom upgrades, this 5-bedroom, 3.1-bath colonial in Troy's Emerald Pointe subdivision is the definition of move-in luxury! Spanning 3,620 sq ft above grade with an additional 2,000 sq ft partially finished basement, every inch of this home was thoughtfully designed -- from the dramatic glass staircase and soaring high ceilings to the open concept layout with hardwood floors and 4x4 tile throughout -- zero carpet in sight. The custom-built quartz kitchen features tons of cabinet space and flows seamlessly for everyday living and entertaining. All 4 bathrooms are fully tiled, and the living room fireplace adds warmth and elegance. Step outside to a huge patio with a gas line -- perfect for outdoor entertaining -- overlooking a generous backyard. The heated and cooled 3-car attached garage takes it a step further with its own full kitchen inside. A tankless water heater, balcony, and covered porch round out this exceptional package. Custom built, completely upgraded, and ready to impress -- this is Troy living at its finest!

1683 Delta Drive, Troy

Listing Courtesy of EXP Z Real Estate, Office Phone: 248-937-1337

$769,000

ACTIVE Status ⋅ 4 Beds ⋅ 4 Baths ⋅ 61015351 MLS

Experience timeless comfort and exceptional pride of ownership in this beautifully maintained home located in the award-winning Troy school district. This home has been meticulously cared for and is truly move-in ready. With many thoughtful updates over the last 10 years, this home provides peace of mind, including: newer appliances (2019), newer furnace/AC (2016), Anderson windows (2016), new sump pump w/backup (2026),new driveway and paver rebuild (2019), bathrooms upgraded (2019), new carpet (2021), new washer/dryer (2023) and more. If you like to entertain then you don't want to miss the fully finished basement and the backyard retreat. Designed with entertaining in mind, this home truly shines both inside and out. Either on the beautifully designed back patio or the finished basement, there are endless possibilities for entertaining and everyday enjoyment. With plenty of space to grow and a desirable location, this home is ready for its next owners.

4086 Glencastle Drive, Troy

Listing Courtesy of Thrive Realty Company, Office Phone: 248-256-5046

$599,900

COMING SOON Status ⋅ 4 Beds ⋅ 2 Baths ⋅ 61015221 MLS

Beautifully renovated and completely move-in ready, this exceptional four-bedroom ranch offers refined finishes, modern technology, and extensive updates throughout. Situated on a manicured half-acre lot in the Troy School District, the home is designed for comfortable everyday living with nothing left to do but move in and enjoy. The main level features a welcoming living room, currently used as a dining room, with a fireplace and large picture window overlooking the beautifully landscaped property. The updated kitchen offers quartz countertops, stainless steel appliances, and a convenient snack bar. At the rear of the home, the spacious family room provides an inviting gathering space with a large fireplace, abundant windows, and sliding glass doors leading to the backyard. The primary suite features a fully remodeled bathroom with a large Euro-glass shower and walk-in closet. Three additional spacious bedrooms and a full bathroom complete the home, while the laundry room offers generous storage. Outside, the beautifully fenced backyard provides plenty of space to relax and entertain, with a stone paver patio, enclosed garden area, and room to enjoy the outdoors. The impressive 900-square-foot three-car garage features epoxy floors, extra-large doors, and ample space for vehicles, storage, and hobbies. Smart-home features include a whole-house audio system, Lutron smart lighting, surveillance, and security system. Enjoy Sylvan Glen Lake and the newly built park. Updated in 2023 with beautiful finishes and thoughtful improvements throughout, this exceptional home offers a rare combination of turnkey condition, modern convenience, and a private outdoor setting in a desirable Troy location.

660 Sylvanwood Drive, Troy

Listing Courtesy of KW Domain, Office Phone: 248-590-0800

$459,000

ACTIVE Status ⋅ 3 Beds ⋅ 3 Baths ⋅ 61015062 MLS

Location, location, location! Situated in the highly desirable Emerald Lakes subdivision, this beautiful brick ranch offers the best of Troy living. Enjoy lake access to picturesque Sandshores Lake from your corner lot in this beloved community. With over 1,700 sq ft of living space, the home features rich hardwood floors, a charming double-sided fireplace & a finished basement perfect for game nights, entertaining and added storage. Award-winning Troy School District with easy access to shopping, dining & major roads. Don't forget the attached 2-car garage. Simply a must-see!

6805 Emerald Shores Drive, Troy

Listing Courtesy of @properties Christie's Int'l R.E. Birmingham, Office Phone: 248-850-8632

$469,900

ACTIVE Status ⋅ 4 Beds ⋅ 3 Baths ⋅ 61014957 MLS

Welcome home to this beautiful 4-bedroom, 2.5-bath colonial located in the highly sought-after Troy School District! Situated on a spacious 0.26-acre lot, this home offers plenty of room both inside and out. The inviting floor plan features a formal living room, elegant dining room, and a warm, welcoming family room with a cozy fireplace--perfect for relaxing or entertaining. The spacious primary suite includes a private en-suite bath, creating the perfect retreat at the end of the day. Additional highlights include Pella windows, a 2-car attached garage, and a beautifully landscaped yard surrounded by a 6-foot vinyl privacy fence. Step outside to enjoy the charming gazebo, offering the perfect place to unwind or entertain guests. Located in one of Troy's most desirable neighborhoods with award-winning Troy Schools, this home combines comfort, space, and an exceptional location. Garage car charger comes with the house as well. Don't miss your opportunity to make this outstanding property your next home! All sizes are approximate, have agent verify.

1198 Ashley Drive, Troy

Listing Courtesy of EXP Realty, Office Phone: 734-322-3302

$429,900

ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 61014903 MLS

Beautifully reimagined and ideally located in the heart of Troy, this renovated brick ranch delivers elevated style, comfort, and turn-key luxury throughout. The brand-new kitchen is a showstopper, featuring soft-close cabinetry, quartz countertops, a marble backsplash, stainless steel appliances, and sophisticated modern finishes. It opens to the dining area with a doorwall leading to the deck and fenced backyard--perfect for BBQ nights, entertaining, or enjoying a quiet evening outside. The inviting family room with fireplace offers a warm and refined place to unwind, while fresh paint and beautifully refinished hardwood floors add timeless elegance throughout. The primary suite feels like a private retreat, complete with a spacious walk-in closet and a fully renovated bath with sleek, modern finishes. Major updates provide added peace of mind, including a new roof, mostly new windows, new A/C, a new furnace, and a brand-new driveway. Step outside to your private backyard oasis--ideal for gatherings, pets, kids at play, or quiet evenings under the stars. Sophisticated, inviting, and truly move-in ready, this exceptional Troy ranch offers comfort, beauty, and lifestyle in one seamless package. Come see it for yourself!

570 Hidden Ridge Drive, Troy

Listing Courtesy of Michigan First Realty LLC, Office Phone: 248-356-8300

$450,000

ACTIVE Status ⋅ 4 Beds ⋅ 3 Baths ⋅ 61014824 MLS

Large Ranch, 2452 sqft! Hard to find spacious 4 bedroom Troy ranch. Updated kitchen with white shaker cabinets, granite counter tops, stainless steel appliances, lighting and flooring. Neutral decor with fresh paint and new luxury vinyl plank flooring and carpet. Master suite with 2 closets and updated master bath. Updated main bath with dual sink vanity. Great room with brick natural fireplace. Great room leads to enormous 24 X 16 ft. Florida room. Large family room with 2 storage closets and door wall leading to Florida room. 4th bedroom off of living room with door wall leading to side yard. Beautiful half acre fenced lot with inground pool. All measurements are approximate. Buyer/buyer's agent to verify all information.

6820 Fredmoor Drive, Troy

Listing Courtesy of AutoCity Realty LLC, Office Phone: 248-605-5320

$259,900

ACTIVE Status ⋅ 3 Beds ⋅ 1 Baths ⋅ 61014746 MLS

GREAT OPPORTUNITY to own in west Troy. This affordable ranch home features 3 bedrooms, 1 full bath, 2 car attached garage, and sits comfortably on a large, spacious lot measured at 71' frontage x 196' deep. Approximately 1,032 sq. ft. of living space plus sunroom. The family room has a wood burning stove, carpet flooring, and opens to the kitchen area. The kitchen features solid oak cabinets, plenty of counter space, appliances, and a breakfast/dining room. Additional bonus room at rear of house could be used as office/study, fourth bedroom, or formal dining room. Newer furnace and central air (2025). Roof and windows are in great shape. Kitchen and laundry appliances stay. Enclosed three season sunroom. Fenced backyard. Five-minute walk to Robinwood park. Close proximity to I-75, shopping, and restaurants. No HOA. Immediate occupancy! West Troy schools.

1708 Eastport Drive, Troy

Listing Courtesy of Real Estate One-Troy, Office Phone: 248-813-4900

$299,000

ACTIVE Status ⋅ 2 Beds ⋅ 2 Baths ⋅ 61014725 MLS

A spacious 1,444 sq. ft. townhouse-style condo offering 2 bedrooms, 2 full baths, and an exceptional floor plan you'll love! The updated kitchen features granite countertops, maple cabinetry, and ample workspace. The primary suite boasts a recently remodeled en-suite bath, a walk-in closet, and direct access to a private balcony. Fantastic 22' x 13' loft provides the perfect flex space for a home office, family room, or potential third bedroom. In-unit washer and dryer. Attached garage. Enjoy outdoor living with three private balconies and take advantage of the beautifully maintained community, complete with a fenced pavilion ideal for gatherings and special events. Located in the highly desirable Troy School District, this home offers unbeatable convenience--just minutes from Birmingham, Royal Oak, Somerset Collection, major freeways, restaurants, coffee shops, and ice cream parlors. An excellent opportunity for both homeowners and investors. Low HOA dues include water, sewer, trash, snow removal, grounds maintenance, and building insurance.

1091 Beaver Run, Troy

Listing Courtesy of Signature Sotheby's International Realty Bham, Office Phone: 248-644-7000

$516,405

ACTIVE Status ⋅ 3 Beds ⋅ 3 Baths ⋅ 61014704 MLS

Welcome to 1016 Pine Tree Lane, Troy, Michigan -- a beautifully crafted new construction townhome built by M/I Homes. This 3-story home offers 1,825 square feet of thoughtfully designed living space, featuring 3 bedrooms, 2 full bathrooms, and 1 half bathroom. Step inside to discover an open-concept living space that creates a seamless flow between the kitchen, dining, and living areas. The quality of design is evident throughout, with clean lines, well-proportioned rooms, and carefully selected finishes that deliver both style and function. Key features of this home include: 3 bedrooms with generous closet space 2 full bathrooms and 1 half bathroom 3 levels Flex room 2-car garage Deck Owner's bedroom with private en-suite bathroom This townhome is situated in a welcoming neighborhood. Residents enjoy convenient proximity to parks and green spaces, offering plenty of opportunities for outdoor recreation, walking trails, and relaxation just minutes from home. Every detail of this home reflects M/I Homes' commitment to quality craftsmanship and superior design standards. From the functional floorplan to the polished finishes, this Quick Move-In townhome delivers comfortable living across all 3 levels.

1016 Pine Tree Lane, Troy

Listing Courtesy of M/I Homes of Michigan, LLC, Office Phone: 248-221-5000

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