1041 Vester St, Ferndale, MI 48220 Property Records

Oakland County property record for 1041 Vester St, Ferndale, MI 48220

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 876 sqft · built 1924
Lot Size	0.121 acres (5,271 sqft)
Owner	2 Individual Names on File
Last Sale	$258,000 (Nov 2023)
Tax Bill	$6,054 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Nov 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24-25-26-354-022`

Property Details

APN / Parcel Number

Primary APN	`24-25-26-354-022`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	876 sqft Living Area
1st Floor Area	651 sqft
Basement Area	576 sqft
Finished Basement	576 sqft

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	5,271 sqft (0.121 acres)
Lot Dimensions	105 ft deep x 50 ft wide
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	101 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	1041 VESTER ST
City	FERNDALE
State	MI
Zip	48220-1932
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI
Legal Description	T1N, R11E, SEC 26 EAST URBANREST SUB LOTS 14 & 15, ALSO 1/2 OF VAC ALLEY ADJ TO SAME BLK 7
Legal Range	11E
Legal Township	01N
Legal Section	26
Legal Subdivision	EAST URBANREST
Legal Block	7
Legal Lot Number	14-15
Jurisdiction	OAKLAND MI
Township / Civil Division	FERNDALE
Census Block Group	5
Census Block	5026
Census Tract	173000

Owner

1041 Vester St is owned and occupied by two individuals who bought it in November 2023.

Source: Oakland County records, as of July 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1041 VESTER ST, FERNDALE, MI 48220-1932
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2023	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 2, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 25, 2023	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CONSUMERS CU
May 2, 2019	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 2, 2023 · Amount on File
Deed Sale	Nov 2, 2023 · Amount on File
Prior Sale	Apr 25, 2023 · Amount on File
Deed Document Number	2023120067
Deed Book / Page	58982 / 29
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	1041 VESTER ST, FERNDALE, MI 48220-1932
Transaction Type	Mortgage
Record Updated	Dec 4, 2023
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23052 STAUBER AVE, HAZEL PARK, MI 48030-1319

Mortgage

Document Number	0000118760
Date	Oct 30, 2023
Book Page	58974/397
Instrument	118760

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Nov 2, 2023
Property Address	1041 VESTER ST, FERNDALE, MI 48220-1932
Document Number	0000120067
Book / Page	58982 / 29
Map Reference	LB 4 PG 24
Instrument Date	Oct 27, 2023
Instrument	120067
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,935.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1041 VESTER ST, FERNDALE, MI 48220-1932

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	23052 STAUBER AVE, HAZEL PARK, MI 48030-1319

Mortgage

Document Number	0058974397
Date	Nov 2, 2023
Instrument	58974/397

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2053

April 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Apr 25, 2023
Property Address	1041 VESTER ST, FERNDALE, MI 48220-1932
Document Number	0000045865
Book / Page	58564 / 248
Map Reference	LB 4 PG 24
Instrument Date	Apr 21, 2023
Instrument	45865
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 3, 2023
Title Company	PARKS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$937.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2310 E 11 MILE RD, ROYAL OAK, MI 48067-2338

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	4835 FAIRVIEW CT, WEST BLOOMFIELD, MI 48322-4416

Mortgage

Document Number	0000046218
Date	Apr 26, 2023
Book Page	58566/310
Instrument	46218

Lender

Name	CONSUMERS CU
Type	Credit Union
Address	KALAMAZOO, MI 49009

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	May 2, 2019
Property Address	1041 VESTER ST, FERNDALE, MI 48220-1932
Document Number	0000068447
Book / Page	052789 / 000856
Instrument Date	Apr 25, 2019
Instrument	68447
Transaction Type	Transfer
Record Updated	May 20, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$1,290.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2310 E 11 MILE RD ROYAL OAK MI 480672338, ROYAL OAK, MI 48067-2338

Tax Assessment & Valuation

The 2025 property tax bill for 1041 Vester St was $6,054 with a homeowner's exemption, down 2.5% from the year before.

Source: Oakland County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
Municipality	Ferndale City
Unified School District	Hazel Park City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,054.00 (-2.54%) Homeowner's exemption	$115,910	$231,820
2024	$6,212.00
2023		$82,200 (+8.23%)	$164,400 (+8.23%)
2022	$4,901.00 (+0.6%)	$75,950	$151,900
2021	$4,872.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1041 Vester St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 8, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 1041 Vester 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 585 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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