Oakland County property record for 1046 Emwill St, Ferndale, MI 48220
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 901 sqft · built 1937 |
| Lot Size | 0.117 acres (5,097 sqft) |
| Owner | Individual Name on File |
| Last Sale | $260,000 (Aug 2021) |
| Tax Bill | $4,433 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Aug 2021 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-25-33-428-020 |
| Primary APN | 24-25-33-428-020 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 901 sqft Living Area |
| 1st Floor Area | 629 sqft |
| Basement Area | 629 sqft |
| Unfinished Basement | 629 sqft |
| Year Built | Built 1937 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 5,097 sqft (0.117 acres) |
| Lot Dimensions | 145 ft deep x 35 ft wide |
| Porch | Slab |
| Porch Area | 299 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 1046 EMWILL ST |
|---|---|
| City | FERNDALE |
| State | MI |
| Zip | 48220-2343 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RI |
| Legal Description | T1N, R11E, SEC 33 MAPLE RIDGE SUB W 1/2 OF LOT 36 |
| Legal Range | 11E |
| Legal Township | 01N |
| Legal Section | 33 |
| Legal Subdivision | MAPLE RIDGE SUB |
| Legal Lot Number | 36 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | FERNDALE |
| Census Block Group | 4 |
| Census Block | 4017 |
| Census Tract | 173400 |
1046 Emwill St is owned and occupied by an individual who bought it in August 2021.
Source: Oakland County records, as of May 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1046 EMWILL ST, FERNDALE, MI 48220-2343 |
| 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 |
|---|---|
| Jul 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Aug 12, 2021 | Warranty Deed, Transfer |
| Jan 31, 2018 | Intrafamily Transfer, Transfer · FHA Mortgage BBMC MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 12, 2021 · Amount on File |
| Deed Sale | Aug 12, 2021 · Amount on File |
| Prior Sale | Jan 6, 2016 · Amount on File |
| Deed Document Number | 2021198373 |
| Deed Book / Page | 56695 / 727 |
| Prior Transfer Date | Jan 19, 2018 |
| Prior Transfer Doc | 0000016250 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 1046 EMWILL ST, FERNDALE, MI 48220-2343 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3431 W 7 MILE RD, DETROIT, MI 48221-2275 |
| Document Number | 0000178432 |
|---|---|
| Date | Jul 19, 2021 |
| Book Page | 56567/565 |
| Instrument | 178432 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.12% |
| Type Change Date | Aug 1, 2028 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 7.12% |
| Index | Other |
| Margin | 3 |
| Max Rate | 7.12% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Aug 12, 2021 |
| Property Address | 1046 EMWILL ST, FERNDALE, MI 48220-2343 |
| Document Number | 0000198373 |
| Book / Page | 56695 / 727 |
| Map Reference | LB 11 PG 31 |
| Instrument Date | Jul 15, 2021 |
| Instrument | 198373 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $2,236.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1046 EMWILL ST, FERNDALE, MI 48220-2343 |
| Name | Verified Name |
|---|---|
| Address | 1046 EMWILL ST, FERNDALE, MI 48220-2343 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Jan 31, 2018 |
| Property Address | 1046 EMWILL ST, FERNDALE, MI 48220-2343 |
| Document Number | 0000016250 |
| Book / Page | 51520 / 00807 |
| Map Reference | LB 11 PG 31 |
| Instrument Date | Jan 19, 2018 |
| Instrument | 016250 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1046 EMWILL ST, FERNDALE, MI 48220-2343 |
| Document Number | 0000016251 |
|---|---|
| Date | Jan 31, 2018 |
| Instrument | 016251 |
| Name | BBMC MORTGAGE LLC |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2048 |
The 2025 property tax bill for 1046 Emwill St was $4,433 with a homeowner's exemption, down 2.8% 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 | $4,433.00 (-2.83%) Homeowner's exemption | $98,210 | $196,420 |
| 2024 | $4,562.00 | ||
| 2023 | $90,170 | $180,340 | |
| 2021 | $3,528.00 |
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.
FEMA maps place 1046 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 1046 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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