278 Pearson St, Ferndale, MI 48220 Property Records

Oakland County property record for 278 Pearson St, Ferndale, MI 48220

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,380 sqft · built 1927
Lot Size	0.148 acres (6,447 sqft)
Owner	Individual Name on File
Last Sale	$109,500 (Dec 2013)
Tax Bill	$3,754 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-25-34-132-056`

Property Details

APN / Parcel Number

Primary APN	`24-25-34-132-056`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,380 sqft Living Area
1st Floor Area	942 sqft
Basement Area	942 sqft
Unfinished Basement	942 sqft
Game Room	Game Room

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,447 sqft (0.148 acres)
Lot Dimensions	129 ft deep x 50 ft wide
Garage Area	375 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	223 sqft
Deck Area	71 sqft
Patio Area	99 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	278 PEARSON ST
City	FERNDALE
State	MI
Zip	48220-1825
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI
Legal Description	T1N, R11E, SEC 34 ADD TO GREENWOOD PARK LOT 209, ALSO 1/2 OF VAC ALLEY ADJ TO SAME
Legal Range	11E
Legal Township	01N
Legal Section	34
Legal Subdivision	PARK
Legal Lot Number	209
Jurisdiction	OAKLAND MI
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2005
Census Tract	173400

Owner

278 Pearson St is owned and occupied by an individual who bought it in December 2013.

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

Owner of Record	Individual Name on File
Mailing Address	278 PEARSON ST, FERNDALE, MI 48220-1825
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
Jun 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN SCHOOLS & GOVERNMENT CU
Oct 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN SCHOOLS & GOV'T CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 4, 2013 · Amount on File
Deed Sale	Dec 4, 2013 · Amount on File
Deed Document Number	2013292748
Deed Book / Page	46595 / 571
Prior Transfer Date	Jul 11, 2012
Prior Transfer Doc	0000147051
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	278 PEARSON ST, FERNDALE, MI 48220-1825
Transaction Type	Mortgage
Record Updated	Jul 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	278 PEARSON ST, FERNDALE, MI 48220-1825

Mortgage

Document Number	0000155732
Date	Jun 17, 2021
Book Page	56416/745
Instrument	155732

Lender

Name	MICHIGAN SCHOOLS & GOVERNMENT CU
Type	Credit Union
Address	CLINTON TOWNSHIP, MI 48038

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	278 PEARSON ST, FERNDALE, MI 48220-1825
Document Number	0000172500
Instrument Date	Oct 8, 2019
Transaction Type	Mortgage
Record Updated	Nov 19, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	278 PEARSON ST FERNDALE MI 482201825, FERNDALE, MI 48220-1825

Mortgage

Document Number	0000172500
Date	Oct 17, 2019
Book Page	053390/000524
Instrument	172500

Lender

Name	MICHIGAN SCHOOLS & GOV'T CU
Type	Credit Union
Address	CLINTON TOWNSHIP, MI 48038

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 16, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 278 Pearson St was $3,754 with a homeowner's exemption, down 2.1% 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	$3,754.00 (-2.11%) Homeowner's exemption	$184,410	$368,820
2024	$3,835.00
2023		$166,590	$333,180
2021	$3,606.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 278 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 278 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 847 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

May also be available: T-Mobile.

Nearby Properties on Pearson St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures