Oakland County property record for 3174 McDowell St, Ferndale, MI 48220
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 2,406 sqft · built 1920 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,868 (2025) |
| Deeds & Mortgages | Jan 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-25-26-107-008 |
| Primary APN | 24-25-26-107-008 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,406 sqft Living Area |
| 1st Floor Area | 1,464 sqft |
| Basement Area | 914 sqft |
| Unfinished Basement | 914 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Bungalow |
| Exterior Material | Composition/Composite |
| Foundation Type | No Foundation |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 125 ft deep x 80 ft wide |
| Garage Area | 1,185 sqft |
| Parking Spaces | 4 Parking Spaces |
| Deck Area | 203 sqft |
| Patio Area | 203 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 3174 MCDOWELL ST |
|---|---|
| City | FERNDALE |
| State | MI |
| Zip | 48220-1139 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RI |
| Legal Description | T1N, R11E, SEC 26 BERMORE SUB NO 1 LOTS 104 & 105 |
| Legal Range | 11E |
| Legal Township | 01N |
| Legal Section | 26 |
| Legal Subdivision | BERMORE SUB |
| Legal Lot Number | 104-105 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | FERNDALE |
| Census Block Group | 4 |
| Census Block | 4009 |
| Census Tract | 173000 |
3174 McDowell St is owned and occupied by an individual.
Source: Oakland County records, as of May 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3174 MCDOWELL ST, FERNDALE, MI 48220-1139 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 3174 MCDOWELL ST, FERNDALE, MI 48220-1139 |
| Document Number | 0000009288 |
| Instrument Date | Jan 11, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2018 |
| Name | Verified Name |
|---|---|
| Address | 3174 MCDOWELL ST FERNDALE MI 482201139, FERNDALE, MI 48220-1139 |
| Document Number | 0000009288 |
|---|---|
| Date | Jan 18, 2018 |
| Book Page | 051483/000018 |
| Instrument | 9288 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, DE 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 17, 2048 |
The 2025 property tax bill for 3174 McDowell St was $3,868 with a homeowner's exemption, down 2.3% 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 | Hazel Park City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,868.00 (-2.27%) Homeowner's exemption | $227,690 | $455,380 |
| 2024 | $3,958.00 | ||
| 2023 | $197,720 | $395,440 | |
| 2021 | $4,023.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3174 McDowell 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 3174 McDowell 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 769 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · 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 | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
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