Oakland County property record for 354 Channing St, Ferndale, MI 48220
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 739 sqft · built 1924 |
| Lot Size | 0.103 acres (4,487 sqft) |
| Owner | Individual Name on File |
| Last Sale | $142,000 (Aug 2019) |
| Tax Bill | $3,178 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Jun 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-25-34-428-019 |
| Primary APN | 24-25-34-428-019 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 739 sqft Living Area |
| 1st Floor Area | 739 sqft |
| Basement Area | 739 sqft |
| Unfinished Basement | 739 sqft |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 1924 |
| Architectural Style | Bungalow |
| Exterior Material | Composition/Composite |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 4,487 sqft (0.103 acres) |
| Lot Dimensions | 112 ft deep x 40 ft wide |
| Porch | Slab |
| Porch Area | 100 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 354 CHANNING ST |
|---|---|
| City | FERNDALE |
| State | MI |
| Zip | 48220-2500 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RI |
| Legal Description | T1N, R11E, SEC 34 STORMFELTZ-LOVELEY CO WOODWARD AVE SUB LOT 173, ALSO 1/2 OF VAC ALLEY ADJ TO SAME |
| Legal Range | 11E |
| Legal Township | 01N |
| Legal Section | 34 |
| Legal Subdivision | STORMFELTZ-LOVELEY CO WOODWARD AVE SUB |
| Legal Lot Number | 173 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | FERNDALE |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 173500 |
Source: Oakland County records · APN 24-25-34-428-019
Assessment roll updated January 21, 2026 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 354 CHANNING ST, FERNDALE, MI 48220-2500 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 22, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jun 03, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Aug 28, 2019 | Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 28, 2019 · Amount on Record |
| Deed Sale | Aug 28, 2019 · Amount on Record |
| Prior Sale | Feb 07, 2006 · Amount on Record |
| Deed Document Number | 2019139707 |
| Deed Book / Page | 53185 / 214 |
| Prior Transfer Date | Aug 06, 2001 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 354 CHANNING ST, FERNDALE, MI 48220-2500 |
| Transaction Type | Mortgage |
| Record Updated | May 21, 2021 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 354 CHANNING ST, FERNDALE, MI 48220-2500 |
| Document Number | 0000108842 |
|---|---|
| Date | Apr 22, 2021 |
| Book Page | 56121/349 |
| Instrument | 108842 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 354 CHANNING ST, FERNDALE, MI 48220-2500 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0000106664 |
|---|---|
| Date | Jun 03, 2020 |
| Book Page | 54294/82 |
| Instrument | 106664 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | May 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Aug 28, 2019 |
| Property Address | 354 CHANNING ST, FERNDALE, MI 48220-2500 |
| Document Number | 0000139707 |
| Book / Page | 53185 / 00214 |
| Map Reference | LB 8 PG 20 |
| Instrument Date | Aug 23, 2019 |
| Instrument | 139707 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,221.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 115 TOLHOUSE CT, 115, MILTON, GA 30004-8119 |
| Name | Verified Name |
|---|---|
| Address | 354 CHANNING ST, FERNDALE, MI 48220-2500 |
| Document Number | 5318500216 |
|---|---|
| Date | Aug 28, 2019 |
| Instrument | 53185/00216 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2049 |
Source: Oakland County records · Assessment roll updated January 21, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oakland County |
| Municipality | Ferndale City |
| Unified School District | Ferndale Public Schools (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,178.00 (-2.55%) Homeowner's exemption | $84,210 (+12.91%) | $168,420 (+12.91%) |
| 2024 | $3,261.00 (+6.05%) | ||
| 2023 | $74,580 | $149,160 | |
| 2021 | $3,075.00 |
Source: FEMA National Flood Hazard Layer as of December 8, 2024 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 718 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | FERNDALE serves 22,105 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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