1676 Pearson St, Ferndale, MI 48220 Property Records

Oakland County property record for 1676 Pearson St, Ferndale, MI 48220

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,208 sqft · built 1928
Lot Size	0.143 acres (6,229 sqft)
Owner	2 Individual Names on File
Last Sale	$335,000 (Oct 2025)
Tax Bill	$6,544 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Oct 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`24-25-33-176-031`

Property Details

APN / Parcel Number

Primary APN	`24-25-33-176-031`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,208 sqft Living Area
1st Floor Area	726 sqft
Basement Area	642 sqft
Unfinished Basement	642 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,229 sqft (0.143 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Garage Area	348 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	100 sqft
Deck Area	174 sqft
Patio Area	174 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	1676 PEARSON ST
City	FERNDALE
State	MI
Zip	48220-3132
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI
Legal Description	T1N, R11E, SEC 33 LEGGETT FARM SUB LOT 31 BLK M
Legal Range	11E
Legal Township	01N
Legal Section	33
Legal Subdivision	LEGGETT FARM SUB
Legal Block	M
Legal Lot Number	31
Jurisdiction	OAKLAND MI
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2004
Census Tract	173300

Owner

1676 Pearson St is owned and occupied by two individuals who bought it in October 2025.

Source: Oakland County records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1676 PEARSON ST, FERNDALE, MI 48220-3132
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

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
Jan 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP
Oct 22, 2025	Warranty Deed, Transfer · Conventional Mortgage FIRST MERCHANTS BANK
Oct 27, 2025	Intrafamily Transfer, Transfer
Jan 15, 2020	Warranty Deed, Transfer · FHA Mortgage UNION HOME MORTGAGE CORP
Mar 20, 2017	Warranty Deed, Transfer · Conventional with PMI GTL INVS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 2025 · Amount on File
Deed Sale	Oct 22, 2025 · Amount on File
Prior Sale	Jan 15, 2020 · Amount on File
Deed Document Number	2025135018
Deed Book / Page	60647 / 145
Prior Transfer Date	Oct 15, 2025
Prior Transfer Doc	0000137084
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	1676 PEARSON ST, FERNDALE, MI 48220-3132
Transaction Type	Mortgage
Record Updated	Nov 4, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1676 PEARSON ST, FERNDALE, MI 48220-3132

Mortgage

Document Number	0000302214
Date	Jan 24, 2022
Book Page	57341/532
Instrument	302214

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	OLMSTED FALLS, OH 44138

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Oct 22, 2025
Property Address	1676 PEARSON ST, FERNDALE, MI 48220-3132
Document Number	0000135018
Book / Page	60647 / 145
Map Reference	LB 13 PG 21
Instrument Date	Oct 15, 2025
Instrument	135018
Transaction Type	Transfer
Record Updated	Nov 4, 2025
Title Company	MICHIGAN SHORES TITLE AGENCY, MICHIGAN MOVES TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,512.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1676 PEARSON ST, FERNDALE, MI 48220-3132

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 MOSER PL, MOUNT CLEMENS, MI 48043-1733

Mortgage

Document Number	0060647150
Date	Oct 22, 2025
Instrument	60647/150

Lender

Name	FIRST MERCHANTS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Nov 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.2%
Index	SOFR Average 30-Day
Margin	3
Max Rate	11.2%

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OAKLAND MI
Recording Date	Oct 27, 2025
Property Address	1676 PEARSON ST, FERNDALE, MI 48220-3132
Document Number	0000137084
Book / Page	60659 / 753
Map Reference	LB 13 PG 21
Instrument Date	Oct 15, 2025
Instrument	137084
Transaction Type	Transfer
Record Updated	Nov 6, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1676 PEARSON ST, FERNDALE, MI 48220-3132

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1676 PEARSON ST, FERNDALE, MI 48220-3132

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jan 15, 2020
Property Address	1676 PEARSON ST, FERNDALE, MI 48220-3132
Document Number	0000009597
Book / Page	53704 / 00392
Map Reference	LB 13 PG 21
Instrument Date	Dec 27, 2019
Instrument	09597
Transaction Type	Transfer
Record Updated	Jun 29, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,365.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1676 PEARSON ST, 1676, FERNDALE, MI 48220-3132

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	811 SAINT LOUIS ST, FERNDALE, MI 48220-3247

Mortgage

Document Number	5370400395
Date	Jan 15, 2020
Instrument	53704/00395

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Mar 20, 2017
Property Address	1676 PEARSON ST, FERNDALE, MI 48220-3132
Document Number	0000050717
Book / Page	050482 / 000896
Instrument Date	Mar 17, 2017
Instrument	50717
Transaction Type	Transfer
Record Updated	Apr 28, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,892.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	460 E MARSHALL ST #APT1 FERNDALE MI 482202187, FERNDALE, MI 48220-2187

Mortgage

Document Number	50718
Date	Mar 20, 2017
Book Page	050483/000001
Instrument	50718

Lender

Name	GTL INVS
Address	SOUTHFIELD, MI 48075

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 19, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1676 Pearson St was $6,544 with a homeowner's exemption, down 3.1% 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	Ferndale Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,544.00 (-3.07%) Homeowner's exemption	$144,890 (+0.48%)	$289,780 (+0.48%)
2024	$6,751.00 (+3.48%) Homeowner's exemption	$144,200 (+6.19%)	$288,400 (+6.19%)
2023	$6,524.00 Homeowner's exemption	$135,800	$271,600
2021	$6,382.00

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 1676 Pearson 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.

Wildfire

The area around 1676 Pearson 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 522 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: WOW Internet, Cable & Phone.

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