326 Pearson St, Ferndale, MI 48220 Property Records

Oakland County property record for 326 Pearson St, Ferndale, MI 48220

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,215 sqft · built 1930
Lot Size	0.148 acres (6,447 sqft)
Owner	Trust Name on File
Last Sale	$218,000 (Apr 2006)
Tax Bill	$3,918 (2025)
Deeds & Mortgages	May 2026 Line of Credit Aug 2023 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`24-25-34-132-051`

Property Details

APN / Parcel Number

Primary APN	`24-25-34-132-051`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,215 sqft Living Area
1st Floor Area	600 sqft
Basement Area	600 sqft
Unfinished Basement	600 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,447 sqft (0.148 acres)
Lot Dimensions	129 ft deep x 50 ft wide
Garage Area	495 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	53 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	326 PEARSON ST
City	FERNDALE
State	MI
Zip	48220-1825
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI
Legal Description	T1N, R11E, SEC 34 ADD TO GREENWOOD PARK LOT 213, ALSO 1/2 OF VAC ALLEY ADJ TO SAME
Legal Range	11E
Legal Township	01N
Legal Section	34
Legal Subdivision	PARK
Legal Lot Number	213
Jurisdiction	OAKLAND MI
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2005
Census Tract	173400

Owner

326 Pearson St is owner-occupied and held in a trust since January 2007.

Source: Oakland County records, as of June 2, 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	Trust Name on File
Mailing Address	326 PEARSON ST, FERNDALE, MI 48220-1825
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
May 26, 2026	Deed of Trust, Mortgage · Line of Credit DFCU FINANCIAL
Aug 3, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CREDIT UNION ONE
Jun 16, 2022	Deed of Trust, Mortgage · Line of Credit CREDIT UNION ONE
Nov 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Mar 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 24, 2006 · Amount on File
Deed Sale	Apr 24, 2006 · Amount on File
Prior Sale	Jul 25, 2003 · Amount on File
Deed Document Number	2006108259
Deed Book / Page	37455 / 794
Last Transfer Date	Jan 22, 2007
Transfer Doc	0000017040
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Recording Date	May 26, 2026
Property Address	326 PEARSON ST, FERNDALE, MI 48220-1825
Document Number	0000069827
Book / Page	61222 / 290
Instrument Date	May 6, 2026
Instrument	202669827
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	DFCU TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust, 212
Address	326 PEARSON ST, FERNDALE, MI 48220-1825

Mortgage

Document Number	0000069827,
Date	May 26, 2026
Book Page	61222/290
Instrument	202669827

Lender

Name	DFCU FINANCIAL

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	326 PEARSON ST, FERNDALE, MI 48220-1825
Transaction Type	Mortgage
Record Updated	Aug 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 PEARSON ST, FERNDALE, MI 48220-1825

Mortgage

Document Number	0000084847
Date	Aug 3, 2023
Book Page	58784/255
Instrument	84847

Lender

Name	CREDIT UNION ONE
Type	Credit Union
Address	FERNDALE, MI 48220

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 14, 2038

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	326 PEARSON ST, FERNDALE, MI 48220-1825
Transaction Type	Mortgage
Record Updated	Aug 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 PEARSON ST, FERNDALE, MI 48220-1825

Mortgage

Document Number	0000399379
Date	Jun 16, 2022
Book Page	57865/726
Instrument	399379

Lender

Name	CREDIT UNION ONE
Type	Credit Union
Address	FERNDALE, MI 48220

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jun 15, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	326 PEARSON ST, FERNDALE, MI 48220-1825
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 PEARSON ST, FERNDALE, MI 48220-1825

Mortgage

Document Number	0000231806
Date	Nov 5, 2020
Book Page	55123/653
Instrument	231806

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	326 PEARSON ST, FERNDALE, MI 48220-1825
Document Number	0000037959
Instrument Date	Mar 12, 2019
Transaction Type	Mortgage
Record Updated	Apr 10, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	326 PEARSON ST FERNDALE MI 482201825, FERNDALE, MI 48220-1825

Mortgage

Document Number	0000037959
Date	Mar 21, 2019
Book Page	052665/000259
Instrument	37959

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 20, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 326 Pearson St was $3,918 with a homeowner's exemption, down 2.7% 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	$3,918.00 (-2.73%) Homeowner's exemption	$159,270	$318,540
2024	$4,028.00
2023		$142,770	$285,540
2021	$3,802.00

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

Flood

FEMA maps place 326 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 326 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 847 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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