Oakland County property record for 1031 Emwill St, Ferndale, MI 48220
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,130 sqft · built 1924 |
| Lot Size | 0.166 acres (7,231 sqft) |
| Owner | Individual Name on File |
| Last Sale | $215,000 (Sep 2021) |
| Tax Bill | $5,596 (2025) |
| Deeds & Mortgages | Sep 2021 Sale & Mortgage Oct 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-25-33-430-013 |
| Primary APN | 24-25-33-430-013 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,130 sqft Living Area |
| 1st Floor Area | 646 sqft |
| Basement Area | 646 sqft |
| Unfinished Basement | 646 sqft |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 1924 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 7,231 sqft (0.166 acres) |
| Lot Dimensions | 145 ft deep x 50 ft wide |
| Garage Area | 682 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 148 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 1031 EMWILL ST |
|---|---|
| City | FERNDALE |
| State | MI |
| Zip | 48220-2305 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RI |
| Legal Description | T1N, R11E, SEC 33 MAPLE RIDGE SUB E 50 FT OF LOT 13 |
| Legal Range | 11E |
| Legal Township | 01N |
| Legal Section | 33 |
| Legal Subdivision | MAPLE RIDGE SUB |
| Legal Lot Number | 13 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | FERNDALE |
| Census Block Group | 4 |
| Census Block | 4018 |
| Census Tract | 173400 |
1031 Emwill St is owned and occupied by an individual who bought it in September 2021.
Source: Oakland County records, as of May 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1031 EMWILL ST, FERNDALE, MI 48220-2305 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 3, 2021 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Oct 19, 2019 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 3, 2021 · Amount on File |
| Deed Sale | Sep 3, 2021 · Amount on File |
| Prior Sale | Aug 1, 2002 |
| Deed Document Number | 2021214199 |
| Deed Book / Page | 56799 / 641 |
| Prior Transfer Date | Jun 16, 2006 |
| Prior Transfer Doc | 0000198697 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Sep 3, 2021 |
| Property Address | 1031 EMWILL ST, FERNDALE, MI 48220-2305 |
| Document Number | 0000214199 |
| Book / Page | 56799 / 641 |
| Map Reference | LB 11 PG 31 |
| Instrument Date | Aug 31, 2021 |
| Instrument | 214199 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2023 |
| Title Company | STERLING TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,849.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1031 EMWILL ST, FERNDALE, MI 48220-2305 |
| Name | Verified Name |
|---|---|
| Address | 1031 EMWILL ST, FERNDALE, MI 48220-2305 |
| Document Number | 0056793405 |
|---|---|
| Date | Sep 3, 2021 |
| Instrument | 56793/405 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 1031 EMWILL ST, FERNDALE, MI 48220-2305 |
| Document Number | 0000177812 |
| Instrument Date | Oct 19, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 5, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1031 EMWILL ST FERNDALE MI 482202305, FERNDALE, MI 48220-2305 |
| Document Number | 0000177812 |
|---|---|
| Date | Oct 25, 2019 |
| Book Page | 053421/000870 |
| Instrument | 177812 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 24, 2034 |
The 2025 property tax bill for 1031 Emwill St was $5,596 with a homeowner's exemption, down 3% from the year before.
Source: Oakland County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oakland County |
| Municipality | Ferndale City |
| Unified School District | Ferndale Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,596.00 (-2.97%) Homeowner's exemption | $130,500 | $261,000 |
| 2024 | $5,767.00 | ||
| 2023 | $115,710 | $231,420 | |
| 2021 | $2,896.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1031 Emwill St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 8, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 1031 Emwill St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | FERNDALE serves 22,105 people · EPA ID MI0002280 |
|---|---|
| Water Source | Purchased surface water from GREAT LAKES WATER AUTHORITY |
| Last State Inspection | May 2021 |
| Lead | 9 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead public education Nov 2020 |
| Monitoring and Reporting | 2 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 645 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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