381 E Cambourne St, Ferndale, MI 48220 Property Records

Oakland County property record for 381 E Cambourne St, Ferndale, MI 48220

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 829 sqft · built 1923
Lot Size	0.091 acres (3,964 sqft)
Owner	Individual Name on File
Last Sale	$210,000 (Feb 2025)
Tax Bill	$6,701 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Sep 2021 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`24-25-27-451-032`

Property Details

APN / Parcel Number

Primary APN	`24-25-27-451-032`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	829 sqft Living Area
1st Floor Area	829 sqft
Basement Area	724 sqft
Unfinished Basement	724 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

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	3,964 sqft (0.091 acres)
Lot Dimensions	131 ft deep x 30 ft wide
Porch	Slab
Porch Area	125 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	381 E CAMBOURNE ST
City	FERNDALE
State	MI
Zip	48220-1311
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AI
Legal Description	T1N, R11E, SEC 27 ASTONS SUB OF KNOWLES HTS LOT 132
Legal Range	11E
Legal Township	01N
Legal Section	27
Legal Subdivision	ASTONS SUB
Legal Lot Number	132
Jurisdiction	OAKLAND MI
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1014
Census Tract	173100

Owner

381 E Cambourne St is owned by an individual who bought it in February 2025.

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

Owner of Record	Individual Name on File
Mailing Address	1500 HENRIETTA ST, BIRMINGHAM, MI 48009-4107
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST SECURITIES FINANCIAL SERVICES INC
Sep 29, 2021	Intrafamily Transfer, Transfer
Jul 21, 2021	Warranty Deed, Transfer LIBERTY TITLE
Sep 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage BETTER MTG CORP ISAOA
Aug 14, 2019	Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
Jan 18, 2017	Warranty Deed, Transfer · FHA Mortgage BLG HOLDINGS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2025 · Amount on File
Deed Sale	Feb 28, 2025 · Amount on File
Prior Sale	Jul 21, 2021 · Amount on File
Deed Document Number	202522885
Deed Book / Page	60024 / 862
Prior Transfer Date	Jul 23, 2021
Prior Transfer Doc	0000232061
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	381 E CAMBOURNE ST, FERNDALE, MI 48220-1311
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3966 LAUREL ST, NEW ORLEANS, LA 70115-1364

Mortgage

Document Number	0000222883
Date	Sep 16, 2021
Book Page	56860/589
Instrument	222883

Lender

Name	FIRST SECURITIES FINANCIAL SERVICES INC
Type	Funding / Finance Company
Address	FRANKLIN, MI 48025

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Aug 1, 2051

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OAKLAND MI
Recording Date	Sep 29, 2021
Property Address	381 E CAMBOURNE ST, FERNDALE, MI 48220-1311
Document Number	0000232061
Book / Page	56921 / 98
Map Reference	LB 10 PG 24
Instrument Date	Jul 23, 2021
Instrument	232061
Transaction Type	Transfer
Record Updated	Oct 18, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3966 LAUREL ST, NEW ORLEANS, LA 70115-1364

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jul 21, 2021
Property Address	381 E CAMBOURNE ST, FERNDALE, MI 48220-1311
Document Number	0000180758
Book / Page	56581 / 886
Map Reference	LB 10 PG 24
Instrument Date	Jul 16, 2021
Instrument	180758
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	LIBERTY TITLE

Transaction

Amount	Amount on Record
Tax	$1,573.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	381 E CAMBOURNE ST, 381, FERNDALE, MI 48220-1311

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	381 E CAMBOURNE ST, FERNDALE, MI 48220-1311

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	381 E CAMBOURNE ST, FERNDALE, MI 48220-1311
Document Number	0000191129
Instrument Date	Sep 12, 2020
Transaction Type	Mortgage
Record Updated	Jan 12, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	381 E CAMBOURNE ST FERNDALE MI 482201311, FERNDALE, MI 48220-1311

Mortgage

Document Number	0000191129
Date	Nov 13, 2020
Book Page	239613/000772
Instrument	191129

Lender

Name	BETTER MTG CORP ISAOA
Address	NEW YORK, NY 10271

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 12, 2050

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Aug 14, 2019
Property Address	381 E CAMBOURNE ST, FERNDALE, MI 48220-1311
Document Number	0000130578
Book / Page	53134 / 00624
Map Reference	LB 10 PG 24
Instrument Date	Aug 9, 2019
Instrument	130578
Transaction Type	Transfer
Record Updated	Jun 29, 2021
Title Company	CISLO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,591.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21021 BALFOUR ST, 21021, CLINTON TOWNSHIP, MI 48036-1511

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	381 E CAMBOURNE ST, FERNDALE, MI 48220-1311

Mortgage

Document Number	5313400626
Date	Aug 14, 2019
Instrument	53134/00626

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jan 18, 2017
Property Address	381 E CAMBOURNE ST, FERNDALE, MI 48220-1311
Document Number	0000010326
Book / Page	50294 / 00287
Map Reference	LB10 PG24
Instrument Date	Jan 13, 2017
Instrument	010326
Transaction Type	Transfer
Record Updated	Jun 29, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,264.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	381 E CAMBOURNE ST, 381, FERNDALE, MI 48220-1311

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	255 3RD ST, FENTON, MI 48430-2777

Mortgage

Document Number	0000010327
Date	Jan 18, 2017
Instrument	010327

Lender

Name	BLG HOLDINGS INC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

Interest

Type Change Date	Jan 1, 2018

Tax Assessment & Valuation

The 2025 property tax bill for 381 E Cambourne St was $6,701, down 1.3% 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	$6,701.00 (-1.34%)	$101,340	$202,680
2024	$6,792.00
2023		$94,680	$189,360
2021	$4,416.00

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 381 E Cambourne 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 381 E Cambourne 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 756 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.

Nearby Properties on E Cambourne St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures