315 Pearson St, Ferndale, MI 48220 Property Records

Oakland County property record for 315 Pearson St, Ferndale, MI 48220

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 839 sqft · built 1938
Lot Size	0.185 acres (8,059 sqft)
Owner	Individual Name on File
Last Sale	$185,000 (May 2017)
Tax Bill	$5,400 (2025)
Deeds & Mortgages	Sep 2021 Line of Credit Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-25-34-176-021`

Property Details

APN / Parcel Number

Primary APN	`24-25-34-176-021`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	839 sqft Living Area
1st Floor Area	839 sqft
Basement Area	839 sqft
Unfinished Basement	839 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	8,059 sqft (0.185 acres)
Lot Dimensions	161 ft deep x 50 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	117 sqft
Deck Area	300 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	315 PEARSON ST
City	FERNDALE
State	MI
Zip	48220-1824
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI
Legal Description	T1N, R11E, SEC 34 ADD TO GREENWOOD PARK LOT 253 & N 1/2 OF VAC ALLEY ADJ TO SAME
Legal Range	11E
Legal Township	01N
Legal Section	34
Legal Subdivision	PARK
Legal Lot Number	253
Jurisdiction	OAKLAND MI
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2007
Census Tract	173400

Owner

315 Pearson St is owned and occupied by an individual who bought it in May 2017.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	315 PEARSON ST, FERNDALE, MI 48220-1824
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2021	Deed of Trust, Mortgage · Line of Credit LAKE MICHIGAN CU
Mar 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage LAKE MI CU
May 3, 2017	Grant Deed, Transfer · Conventional Mortgage LAKE MI CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2017 · Amount on File
Deed Sale	May 3, 2017 · Amount on File
Prior Sale	Oct 29, 2014 · Amount on File
Deed Document Number	201788919
Deed Book / Page	50635 / 213
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	315 PEARSON ST, FERNDALE, MI 48220-1824
Transaction Type	Mortgage
Record Updated	Sep 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 PEARSON ST, FERNDALE, MI 48220-1824

Mortgage

Document Number	0000218342
Date	Sep 10, 2021
Book Page	56829/190
Instrument	218342

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Sep 15, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	315 PEARSON ST, FERNDALE, MI 48220-1824
Document Number	0000056452
Instrument Date	Mar 17, 2020
Transaction Type	Mortgage
Record Updated	Apr 29, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 PEARSON ST FERNDALE MI 482201824, FERNDALE, MI 48220-1824

Mortgage

Document Number	0000056452
Date	Mar 25, 2020
Book Page	053988/000735
Instrument	56452

Lender

Name	LAKE MI CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 24, 2050

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OAKLAND MI
Recording Date	May 3, 2017
Property Address	315 PEARSON ST, FERNDALE, MI 48220-1824
Document Number	0000088919
Book / Page	050635 / 000213
Instrument Date	Apr 27, 2017
Instrument	88919
Transaction Type	Transfer
Record Updated	Oct 2, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,591.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	241 SPENCER ST FERNDALE MI 482202574, FERNDALE, MI 48220-2574

Mortgage

Document Number	88920
Date	May 3, 2017
Book Page	050635/000215
Instrument	88920

Lender

Name	LAKE MI CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 2, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 315 Pearson St was $5,400 with a homeowner's exemption, down 2.9% 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	$5,400.00 (-2.95%) Homeowner's exemption	$151,660	$303,320
2024	$5,564.00
2023		$137,830	$275,660
2021	$5,258.00

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

Flood

FEMA maps place 315 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 315 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 797 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.

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