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3191 McDowell St, Ferndale, MI 48220 Property Records

Oakland County property record for 3191 McDowell St, Ferndale, MI 48220

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,004 sqft · built 1953
Lot Size0.115 acres (5,009 sqft)
OwnerIndividual Name on File
Last Sale$227,000 (Jun 2022)
Tax Bill$5,427 (2025)
Deeds & MortgagesJun 2022 Sale & Mortgage
Jun 2020 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN24-25-26-106-015

Property Details

APN / Parcel Number

Primary APN24-25-26-106-015

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms5 Rooms
Stories1 Story
Building Area1,004 sqft Living Area
1st Floor Area803 sqft
Basement Area803 sqft
Unfinished Basement803 sqft

Exterior

Year BuiltBuilt 1953
Effective Year BuiltEffective 2022
Architectural StyleBungalow
Exterior MaterialAluminum/Vinyl
Foundation TypeRaised
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area5,009 sqft (0.115 acres)
Lot Dimensions125 ft deep x 40 ft wide
Garage Area480 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area34 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas
SewerMunicipal

Location & Zoning

Street Address3191 MCDOWELL ST
CityFERNDALE
StateMI
Zip48220-1138
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRI
Legal DescriptionT1N, R11E, SEC 26 BERMORE SUB NO 1 LOT 108
Legal Range11E
Legal Township01N
Legal Section26
Legal SubdivisionBERMORE SUB
Legal Lot Number108
JurisdictionOAKLAND MI
Township / Civil DivisionFERNDALE
Census Block Group4
Census Block4008
Census Tract173000

Owner

3191 McDowell St is owned and occupied by an individual who bought it in June 2022.

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

Owner of RecordIndividual Name on File
Mailing Address3191 MCDOWELL ST, FERNDALE, MI 48220-1138
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Jun 17, 2022Warranty Deed, Transfer · Conventional Mortgage
ROCKET MORTGAGE LLC
Jun 8, 2020Deed of Trust, Mortgage · Conventional Mortgage
MORTGAGE CENTRAL LLC
Jun 11, 2018Deed of Trust, Mortgage · Conventional Mortgage
FIRST NATIONAL HOME MORTGAGE
Nov 22, 2017Quit Claim Deed, Subdivision Related Transfer
Quitclaim

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 17, 2022 · Amount on File
Deed SaleJun 17, 2022 · Amount on File
Prior SaleAug 12, 2016 · Amount on File
Deed Document Number2022400212
Deed Book / Page57870 / 729
Prior Transfer DateNov 22, 2017
Prior Transfer Doc0000215487
Record UpdatedOct 29, 2026

June 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOAKLAND MI
Recording DateJun 17, 2022
Property Address3191 MCDOWELL ST, FERNDALE, MI 48220-1138
Document Number0000400212
Book / Page57870 / 729
Map ReferenceLB 31 PG 44
Instrument DateJun 6, 2022
Instrument400212
Transaction TypeTransfer
Record UpdatedAug 11, 2022
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,702.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address916 E 3RD ST, 916, ROYAL OAK, MI 48067-2863

Transferred To (Grantee/Buyer)

NameVerified Name
Address3191 MCDOWELL ST, FERNDALE, MI 48220-1138

Mortgage

Document Number0057870731
DateJun 17, 2022
Instrument57870/731
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJul 1, 2052

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOAKLAND MI
Property Address3191 MCDOWELL ST, FERNDALE, MI 48220-1138
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000109537
DateJun 8, 2020
Book Page54314/361
Instrument109537
Lender
NameMORTGAGE CENTRAL LLC
TypeMortgage Company
AddressSOUTHFIELD, MI 48076
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueJun 1, 2050

June 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOAKLAND MI
Property Address3191 MCDOWELL ST, FERNDALE, MI 48220-1138
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000098532
DateJun 11, 2018
Book Page51896/00338
Instrument98532
Lender
NameFIRST NATIONAL HOME MORTGAGE
TypeNon-Lending Institution
AddressWATERFORD, MI 48329
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJul 1, 2048

November 2017: Quit Claim Deed, Subdivision Related Transfer

Document TypeQuit Claim Deed
JurisdictionOAKLAND MI
Recording DateNov 22, 2017
Property Address3191 MCDOWELL ST, FERNDALE, MI 48220-1138
Document Number0000215487
Book / Page051316 / 000638
Instrument DateNov 22, 2017
Instrument215487
Transaction TypeSubdivision Related Transfer
Record UpdatedJan 3, 2018

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address1216 E HUDSON AVE ROYAL OAK MI 480673472, ROYAL OAK, MI 48067-3472

Tax Assessment & Valuation

The 2025 property tax bill for 3191 McDowell St was $5,427 with a homeowner's exemption, down 2.5% from the year before.

Source: Oakland County assessment roll, as of January 21, 2026

Property Jurisdictions

TypeName
StateMichigan
CountyOakland County
MunicipalityFerndale City
Unified School DistrictHazel Park City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,427.00 (-2.48%) Homeowner's exemption$111,350$222,700
2024$5,565.00
2023$93,090$186,180
2021$3,556.00

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 3191 McDowell St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 8, 2024

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 3191 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 RiskNot 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 SystemFERNDALE
serves 22,105 people · EPA ID MI0002280
Water SourcePurchased surface water from GREAT LAKES WATER AUTHORITY
Last State InspectionMay 2021
Lead9 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureLead public education
Nov 2020
Monitoring and Reporting2
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 769 locations within half a mile, as of December 31, 2025

ProviderMax 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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