Oakland County property record for 3230 McDowell St, Ferndale, MI 48220
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 976 sqft · built 1923 |
| Lot Size | 0.115 acres (5,009 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $218,000 (Nov 2023) |
| Tax Bill | $4,856 (2025) |
| Deeds & Mortgages | Nov 2023 Sale & Mortgage Oct 2023 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-25-26-107-003 |
| Primary APN | 24-25-26-107-003 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 976 sqft Living Area |
| 1st Floor Area | 825 sqft |
| Basement Area | 469 sqft |
| Unfinished Basement | 469 sqft |
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 1923 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 5,009 sqft (0.115 acres) |
| Lot Dimensions | 125 ft deep x 40 ft wide |
| Garage Area | 493 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 151 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 3230 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 LOT 99 |
| Legal Range | 11E |
| Legal Township | 01N |
| Legal Section | 26 |
| Legal Subdivision | BERMORE SUB |
| Legal Lot Number | 99 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | FERNDALE |
| Census Block Group | 4 |
| Census Block | 4009 |
| Census Tract | 173000 |
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 Record |
|---|---|
| Mailing Address | 3230 MCDOWELL ST, FERNDALE, MI 48220-1139 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 27, 2023 | Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU |
| Oct 27, 2023 | Intrafamily Transfer, Transfer |
| Sep 11, 2018 | Warranty Deed, Transfer · Conventional Mortgage RBC BK (GEORGIA) NA |
| Jan 2, 2019 | Quit Claim Deed, Transfer RBC BK (GEORGIA) NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 27, 2023 · Amount on Record |
| Deed Sale | Nov 27, 2023 · Amount on Record |
| Prior Sale | Sep 11, 2018 · Amount on Record |
| Deed Document Number | 2023128315 |
| Deed Book / Page | 59025 / 719 |
| Prior Transfer Date | Oct 21, 2023 |
| Prior Transfer Doc | 0000117915 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Nov 27, 2023 |
| Property Address | 3230 MCDOWELL ST, FERNDALE, MI 48220-1139 |
| Document Number | 0000128315 |
| Book / Page | 59025 / 719 |
| Map Reference | LB 31 PG 44 |
| Instrument Date | Nov 21, 2023 |
| Instrument | 128315 |
| Transaction Type | Transfer |
| Record Updated | Dec 13, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,635.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3230 MCDOWELL ST, FERNDALE, MI 48220-1139 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 6451 CRAMLANE DR, CLARKSTON, MI 48346-2411 |
| Document Number | 0000128901 |
|---|---|
| Date | Nov 28, 2023 |
| Book Page | 59029/102 |
| Instrument | 128901 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Oct 27, 2023 |
| Property Address | 3230 MCDOWELL ST, FERNDALE, MI 48220-1139 |
| Document Number | 0000117915 |
| Book / Page | 58970 / 50 |
| Map Reference | LB 31 PG 44 |
| Instrument Date | Oct 21, 2023 |
| Instrument | 117915 |
| Transaction Type | Transfer |
| Record Updated | Dec 4, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3230 MCDOWELL ST, FERNDALE, MI 48220-1139 |
| Name | Verified Name |
|---|---|
| Address | 3230 MCDOWELL ST, FERNDALE, MI 48220-1139 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Sep 11, 2018 |
| Property Address | 3230 MCDOWELL ST, FERNDALE, MI 48220-1139 |
| Document Number | 0000149345 |
| Book / Page | 052171 / 000082 |
| Instrument Date | Aug 31, 2018 |
| Instrument | 149345 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2020 |
| Title Company | DEVON TITLE COMPANY, DEVON TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,032.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 199 CHALFONT CRES |
| Document Number | 147305 |
|---|---|
| Date | Sep 11, 2018 |
| Book Page | 052159/000072 |
| Instrument | 147305 |
| Name | RBC BK (GEORGIA) NA |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27617 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 10, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Jan 2, 2019 |
| Property Address | 3230 MCDOWELL ST, FERNDALE, MI 48220-1139 |
| Document Number | 0000000140 |
| Book / Page | 052472 / 000261 |
| Instrument Date | Aug 31, 2018 |
| Instrument | 140 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3230 MCDOWELL ST FERNDALE MI 482201139, FERNDALE, MI 48220-1139 |
| Document Number | 147305 |
|---|---|
| Date | Jan 2, 2019 |
| Book Page | 052159/000072 |
| Instrument | 147305 |
| Name | RBC BK (GEORGIA) NA |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27617 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
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 | $4,856.00 (-2.43%) Homeowner's exemption | $96,650 (+23.17%) | $193,300 (+23.17%) |
| 2024 | $4,977.00 (+55.73%) | ||
| 2023 | $78,470 | $156,940 | |
| 2021 | $3,196.00 |
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.
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.
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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