Troy Homes with FHA Financial terms

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

$599,900
ACTIVE Status ⋅ 4 Beds ⋅ 3 Baths ⋅ 61029608 MLS
Welcome to this inviting 4-bedroom, 2.5-bath home in Troy! Step inside to a warm and spacious living room featuring a beautiful fireplace, creating the perfect setting to relax and unwind. The well-appointed kitchen offers plenty of space for cooking and entertaining, while the comfortable bedrooms provide room for everyone. Outside, enjoy a great-size backyard with endless possibilities for entertaining, or simply enjoying the outdoors. Complete with an attached 2-car garage and a desirable Troy location, this home is ready to impress!

5045 Shady Creek Drive, Troy

Listing Courtesy of Top Agent Realty, Office Phone: 248-277-4226
$525,000
ACTIVE Status ⋅ 4 Beds ⋅ 3 Baths ⋅ 61029013 MLS
Tucked away at the quiet end of Beach Road, this beautifully maintained home offers a rare combination of space, comfort, and timeless appeal in a peaceful setting. Designed for both everyday living and effortless entertaining, the flowing floor plan is filled with natural light and enhanced by beautiful hardwood floors throughout. Two inviting fireplaces create warm gathering spaces in both the living room and dining room, adding character and charm to the home's welcoming atmosphere. Upstairs, you'll find four generously sized bedrooms, including a spacious primary suite with direct access to a full bath. A second full bathroom on the upper level provides added convenience, making the layout ideal for today's flexible lifestyles. The home has been thoughtfully cared for and updated, with major improvements including the furnace, central air conditioning, windows, and hot water heater, providing valuable peace of mind for the next owner. Step outside through the doorwalls from either the living room or kitchen to your own private backyard retreat. A generous 200-square-foot deck overlooks the in-ground pool, creating the perfect setting for summer barbecues, relaxing weekends, or entertaining guests. As an added bonus, there's a newly installed pool heater (approximately a $4,000 investment), ensuring the pool is ready to be enjoyed right away. Unexpected life circumstances have created a rare opportunity for the next owners. This is a chance to own a lovingly maintained home in a highly sought-after location with space to grow, thoughtful updates, exceptional outdoor living, and endless potential. A truly special property ready to welcome its next chapter. BATVAI, all measurements approx

3560 Beach Road, Troy

Listing Courtesy of @properties Christie's Int'l R.E. Birmingham, Office Phone: 248-850-8632
$410,000
ACTIVE Status ⋅ 3 Beds ⋅ 3 Baths ⋅ 61028987 MLS
FANTASTIC OPPORTUNITY for you to own a MOVE IN READY with 3 bedrooms and 2.5 baths home in TROY SCHOOLS with just over half acre lot!! Completely remodeled large kitchen with GRANITE COUNTERS and tiled backsplash and newer stainless steel appliances - plus, plenty of space for kitchen table!! Lower level offers endless possibilities with its generous space, fireplace and full bath. Oversized ATTACHED GARAGE, too. Plenty of room to roam in the LARGE BACKYARD and the gazebo, pergola and shed are included!! NEWER TANKLESS, ZONED BOILER offer great flexibility, newer roof and vinyl windows and the HARDWOOD FLOORS throughout the home are in great condition!! Home does the hook up for a generator for future owners!! YOU'LL LOVE THIS HOME - SHOW & SELL!!!

3870 Fernleigh Drive, Troy

Listing Courtesy of Good Company, Office Phone: 248-733-5811
$650,000
ACTIVE Status ⋅ 5 Beds ⋅ 4 Baths ⋅ 61028568 MLS
Set on a quiet street in Troy's Caswell Homes community, this beautifully maintained residence offers an impressive balance of scale, privacy and refined everyday living. A gracious main level is anchored by expansive hardwood flooring, a gas fireplace and an open, connected flow that moves naturally between the living, dining and kitchen spaces. The kitchen is generously proportioned for both daily use and entertaining, while first-floor laundry adds convenience without interrupting the home's polished layout. The first-floor primary suite is a standout feature, offering a private retreat with a custom-designed California Closet. Upstairs, additional bedrooms provide flexibility for family, guests or dedicated office space. The fully finished lower level extends the home's versatility with an open-concept second living area, kitchenette, electric fireplace, egress windows and substantial space for entertaining, recreation or extended stays. Outside, mature landscaping and established privacy trees frame a spacious backyard and concrete patio, creating a peaceful setting for outdoor dining and relaxation. Recent improvements include furnace and central air in 2021, water heater in 2022, refinished hardwood floors and exterior updates in 2023, owned whole-house water softener and reverse-osmosis system in 2024, refrigerator in 2025, and fresh interior paint and updated lighting in 2026. Thoughtfully cared for and exceptionally well presented, this Troy home delivers space, flexibility and a level of maintenance that is immediately evident.

1185 Cambria Drive, Troy

Listing Courtesy of EXP Realty The Perna Team, Office Phone: 888-501-7085
$374,900
ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 61028798 MLS
Welcome to your own private oasis! This beautifully maintained 3-bedroom, 1.5-bathroom home offers 1,692 sq. ft. of comfortable and inviting living space, set on a spacious lot with plenty of room to relax, entertain, and enjoy the outdoors. Step inside to discover a beautiful kitchen designed to be both stylish and functional, along with recessed lighting that creates a warm, modern atmosphere throughout the home. The cozy fireplace adds the perfect touch of charm, creating an inviting space to gather and unwind. Outside, the spacious lot provides a sense of privacy and tranquility, making it easy to escape the everyday hustle and enjoy your own peaceful retreat. With its combination of comfortable living spaces, thoughtful details, and a beautiful setting, this home truly feels like your own private oasis. Come see everything this special home has to offer, it may be exactly what you've been looking for!

1175 South Boulevard, Troy

Listing Courtesy of Real Collective Realty, Office Phone: 734-620-5071
$497,777
ACTIVE Status ⋅ 4 Beds ⋅ 3 Baths ⋅ 61028261 MLS
Beautifully remodeled home situated on nearly an acre in a desirable Troy location. This bright and inviting home features 3 bedrooms and 3 full bathrooms, plus 4th bedroom in the basement. Large windows throughout the home fill the living spaces with abundant natural light throughout the day. Numerous updates include a beautifully remodeled kitchen with elegant crystal countertops and new appliances, remodeled bathrooms, new flooring, fresh interior paint, new garage door and a new furnace, central air conditioning, and ductwork. Spacious lot offers plenty of room for outdoor activities, entertaining, gardening, or future possibilities. Conveniently located near shopping, dining, major roads, and Troy schools. A rare opportunity to own an extensively updated home on a large lot in Troy. Agent owned.

380 E South Boulevard, Troy

Listing Courtesy of Community Choice Realty Inc, Office Phone: 248-729-0011
$350,000
ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 61027947 MLS
Beautifully Updated Colonial in Prime Troy Location! This charming 3-bedroom, 1.5-bath Colonial offers 1,630 sq ft of stylish, move-in-ready living in one of the Top 100 Best Places to Live in the U.S. (2023) - Troy, Michigan. Enjoy hardwood floors throughout the main level, a modern kitchen remodel (2023), Venetian plaster paint (2023), and brand-new carpet upstairs. Major updates include a new furnace and water tank (2024), offering comfort and efficiency. Roof was replaced in 2012. ALL windows were replaced in 2010. The entire outside of the house was power-washed and completely painted in May of 2025. No HOA. Outside, the home sits where the road curves, the lot expands outward, offering increased space and a highly private yard rarely found in this area including a large storage shed--perfect for entertaining or relaxing. Well-maintained and thoughtfully updated, this home offers comfort, style, and unbeatable value in a highly desirable location. House appraised for $383,000 in May 2026.

2263 Camilla Drive, Troy

Listing Courtesy of Epique Realty, Office Phone: 248-218-2604
$450,000
ACTIVE UNDER CONTRACT Status ⋅ 3 Beds ⋅ 3 Baths ⋅ 61027893 MLS
Beautiful, mid-century brick ranch in Troy with Birmingham schools. This one has it all - 3 bedrooms, 3 bathrooms and a fantastic floor plan. The kitchen opens to the family room and looks out on a gorgeous back yard with mature trees and a deck for entertaining and relaxing. Hardwood floors and fresh, neutral paint throughout. Mechanics of the house all in great condition. Attached 2-car garage with access to back yard. Ideally located near shopping and 75, yet still tucked away quietly on a tree lined street. Very well maintained with pride of ownership shining through! HIGHEST AND BEST DUE BY THURSDAY 9/10/26 AT 6PM

1328 Wrenwood Drive, Troy

Listing Courtesy of RE/MAX Showcase Homes, Office Phone: 248-647-3200
$499,000
ACTIVE Status ⋅ 4 Beds ⋅ 3 Baths ⋅ 61027226 MLS
Welcome to 2108 Adrian Drive, a beautifully updated 4-bedroom, 3-full-bath quad-level home located in desirable Troy. Offering a spacious and functional multi-level layout, this home features recent updates throughout, abundant natural light, and inviting living spaces ideal for both everyday living and entertaining. The natural wood-burning fireplace adds warmth and character, while the stamped concrete provides an attractive finishing touch. Enjoy four generously sized bedrooms, three full bathrooms, and the flexibility that a quad-level floor plan provides. Step outside to a private backyard offering a peaceful setting for relaxing, entertaining, or enjoying time outdoors. Located within the highly regarded Troy School District, known for its strong academic reputation and sought-after schools, this home offers an added advantage for buyers looking to settle in one of Metro Detroit's most desirable communities. Conveniently located near shopping, dining, parks, and major roadways. Buyers Agent to verify any or all information. All measurements are approximate. A well-maintained, move-in-ready opportunity in a prime Troy location -- schedule your showing today!

2108 Adrienne Drive, Troy

Listing Courtesy of Sunflower Realty LLC, Office Phone: 313-747-0700
$339,000
ACTIVE Status ⋅ 2 Beds ⋅ 3 Baths ⋅ 61026992 MLS
Welcome to this beautifully maintained Midtown Square condo, ideally located close to Whole Foods, Target, Home Depot, Kroger, Kohl's, and countless shopping and dining options. This thoughtfully designed home offers the rare convenience of an elevator directly within the unit, making everyday living and unloading groceries effortless. The main level features a bright, open-concept layout with hardwood flooring throughout the great room, dining room, and kitchen. The spacious great room boasts soaring ceilings, abundant natural light, and a beautiful two-way fireplace shared with the dining room, creating a warm and inviting atmosphere. The large island kitchen offers an abundance of cabinetry and opens seamlessly to the dining area. Perfect for entertaining or everyday gatherings. A convenient half bath and a laundry room complete the main level. Upstairs, you'll find two spacious bedrooms, each featuring its own private full bathroom, offering comfort and privacy for residents and guests alike. Enjoy outdoor living on the Trex balcony, offering the perfect spot to relax, unwind, and take in the surrounding views. Located within the Birmingham School District and close to shopping, restaurants, and everyday conveniences, this condo offers an exceptional combination of space, natural light, comfort, and location. Recent updates include A/C (2020) and hot water heater (2026). HOA fee includes water, sewer, elevator maintenance, snow removal, and exterior maintenance.

1405 Raliegh Place, Troy

Listing Courtesy of RE/MAX Showcase Homes, Office Phone: 248-647-3200
$349,900
ACTIVE Status ⋅ 2 Beds ⋅ 1 Baths ⋅ 61026754 MLS
Move-in ready home located near Wattles Rd and Livernois Rd. Home features: 2 bedrooms, 1 full bathroom, unfinished basement, 2 car detached garage w/opener, and fenced backyard. Recent updates include: newer carpet throughout (2023), interior paint throughout (2023), kitchen w/updated granite, sink, faucet, disposal, and appliances (2023). Newer washer and dryer (2023), Bathroom w/newer cabinet, sink, faucet, toilet, shower fixtures, and window (2023). High-efficient furnace (2021). Family room w/fireplace. Central air. West Troy schools.

181 Crestfield Avenue, Troy

Listing Courtesy of Real Estate One-Troy, Office Phone: 248-813-4900
$640,000
ACTIVE Status ⋅ 3 Beds ⋅ 3 Baths ⋅ 61025871 MLS
Desirable Turn-key Ranch in Troy, with Birmingham School access and close proximity to Big Beaver! The interior and exterior were completely renovated in 2019. It stands out with a rare, 3 car garage paired with a horseshoe driveway, a whole house generator, Anderson windows, roof, siding, and Furnace and AC, ALL of which were part of the 2019 renovation. Inside, offered is a 3 bedroom, 2 bathroom set up - the master bedroom's being en-suite and completely redone. A sizable living room with an extended family room overlooking the spacious backyard, both with gas fireplaces. An updated kitchen with a simple layout. The laundry room features a newer washer and dryer set up. The outdoor patio has its own gas fireplace and privacy. Come check out a property that has had true pride of ownership.

3144 Upton Drive, Troy

Listing Courtesy of Shorewood Companies, Office Phone: 313-820-9000
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