Oakland County property record for 3183 McDowell St, Ferndale, MI 48220
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 738 sqft · built 1923 |
| Lot Size | 0.115 acres (5,009 sqft) |
| Owner | Individual Name on File |
| Last Sale | $164,000 (Oct 2022) |
| Tax Bill | $4,198 (2025) |
| Deeds & Mortgages | Oct 2022 Mortgage Oct 2022 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-25-26-106-016 |
| Primary APN | 24-25-26-106-016 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 738 sqft Living Area |
| 1st Floor Area | 738 sqft |
| Basement Area | 738 sqft |
| Finished Basement | 738 sqft |
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 5,009 sqft (0.115 acres) |
| Lot Dimensions | 125 ft deep x 40 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 165 sqft |
| Deck Area | 54 sqft |
| Patio Area | 54 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 3183 MCDOWELL ST |
|---|---|
| City | FERNDALE |
| State | MI |
| Zip | 48220-1138 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RI |
| Legal Description | T1N, R11E, SEC 26 BERMORE SUB NO 1 LOT 107 |
| Legal Range | 11E |
| Legal Township | 01N |
| Legal Section | 26 |
| Legal Subdivision | BERMORE SUB |
| Legal Lot Number | 107 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | FERNDALE |
| Census Block Group | 4 |
| Census Block | 4008 |
| Census Tract | 173000 |
3183 McDowell St is owned and occupied by an individual who bought it in October 2022.
Source: Oakland County records, as of May 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3183 MCDOWELL ST, FERNDALE, MI 48220-1138 |
| 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 |
|---|---|
| Oct 24, 2022 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE 1 INC |
| Oct 25, 2022 | Warranty Deed, Transfer · Second Mortgage (Down Payment) MORTGAGE 1 INC |
| Jul 17, 2019 | Deed of Trust, Mortgage · Conventional Mortgage HALL FINANCIAL GROUP |
| Aug 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU |
| Sep 1, 2020 | Warranty Deed, Transfer FIRST AMERICAN TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 25, 2022 · Amount on File |
| Deed Sale | Oct 25, 2022 · Amount on File |
| Prior Sale | Sep 1, 2020 · Amount on File |
| Deed Document Number | 2022462384 |
| Deed Book / Page | 58211 / 479 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 3183 MCDOWELL ST, FERNDALE, MI 48220-1138 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1017 OAKRIDGE AVE, ROYAL OAK, MI 48067-1194 |
| Document Number | 0000462021 |
|---|---|
| Date | Oct 24, 2022 |
| Book Page | 58209/483 |
| Instrument | 462021 |
| Name | MORTGAGE 1 INC |
|---|---|
| Type | Mortgage Company |
| Address | STERLING HEIGHTS, MI 48314 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Oct 25, 2022 |
| Property Address | 3183 MCDOWELL ST, FERNDALE, MI 48220-1138 |
| Document Number | 0000462384 |
| Book / Page | 58211 / 479 |
| Map Reference | LB 31 PG 44 |
| Instrument Date | Oct 18, 2022 |
| Instrument | 462384 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2023 |
| Title Company | DEVON TITLE COMPANY, DEVON TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,230.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3183 MCDOWELL ST, FERNDALE, MI 48220-1138 |
| Name | Verified Name |
|---|---|
| Address | 3183 MCDOWELL ST, FERNDALE, MI 48220-1138 |
| Document Number | 0000462022 |
|---|---|
| Date | Oct 24, 2022 |
| Book Page | 58209/494 |
| Instrument | 462022 |
| Name | MORTGAGE 1 INC |
|---|---|
| Type | Mortgage Company |
| Address | STERLING HEIGHTS, MI 48314 |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 3183 MCDOWELL ST, FERNDALE, MI 48220-1138 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000114621 |
|---|---|
| Date | Jul 17, 2019 |
| Book Page | 53039/00398 |
| Instrument | 114621 |
| Name | HALL FINANCIAL GROUP |
|---|---|
| Type | Non-Lending Institution |
| Address | TROY, MI 48084 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jun 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 3183 MCDOWELL ST, FERNDALE, MI 48220-1138 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 5955 WARBLER DR, CLARKSTON, MI 48346-2975 |
| Document Number | 0000172081 |
|---|---|
| Date | Aug 27, 2020 |
| Book Page | 54728/409 |
| Instrument | 172081 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Sep 1, 2020 |
| Property Address | 3183 MCDOWELL ST, FERNDALE, MI 48220-1138 |
| Document Number | 0000175593 |
| Book / Page | 54751 / 481 |
| Map Reference | LB 31 PG 44 |
| Instrument Date | Aug 20, 2020 |
| Instrument | 175593 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $1,066.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3183 MCDOWELL ST, 3183, FERNDALE, MI 48220-1138 |
| Name | Verified Name |
|---|---|
| Address | 3183 MCDOWELL ST, FERNDALE, MI 48220-1138 |
The 2025 property tax bill for 3183 McDowell St was $4,198 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 | $4,198.00 (-2.33%) Homeowner's exemption | $85,030 | $170,060 |
| 2024 | $4,298.00 | ||
| 2023 | $71,110 | $142,220 | |
| 2021 | $3,529.00 |
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 3183 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 3183 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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