Oakland County property record for 381 Silman St, Ferndale, MI 48220
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,339 sqft · built 1923 |
| Lot Size | 0.119 acres (5,184 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $185,000 (Jan 2019) |
| Tax Bill | $6,365 (2025) |
| Deeds & Mortgages | May 2020 Mortgage Jan 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-25-34-428-053 |
| Primary APN | 24-25-34-428-053 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,339 sqft Living Area |
| 1st Floor Area | 1,107 sqft |
| Basement Area | 1,077 sqft |
| Unfinished Basement | 1,077 sqft |
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 5,184 sqft (0.119 acres) |
| Lot Dimensions | 130 ft deep x 40 ft wide |
| Garage Area | 408 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 142 sqft |
| Deck Area | 144 sqft |
| Patio Area | 144 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 381 SILMAN ST |
|---|---|
| City | FERNDALE |
| State | MI |
| Zip | 48220-2508 |
| 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 148, 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 | 148 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | FERNDALE |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 173500 |
381 Silman St is owned and occupied by two individuals who bought it in January 2019.
Source: Oakland County records, as of July 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 381 SILMAN ST, FERNDALE, MI 48220-2508 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| May 19, 2020 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS |
| Jan 31, 2019 | Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 31, 2019 · Amount on File |
| Deed Sale | Jan 31, 2019 · Amount on File |
| Prior Sale | Nov 8, 2013 · Amount on File |
| Deed Document Number | 201915994 |
| Deed Book / Page | 52549 / 349 |
| Prior Transfer Date | Nov 3, 2006 |
| Prior Transfer Doc | 0000275792 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 381 SILMAN ST, FERNDALE, MI 48220-2508 |
| Document Number | 0000104353 |
| Instrument Date | May 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 381 SILMAN ST FERNDALE MI 482202508, FERNDALE, MI 48220-2508 |
| Document Number | 0000104353 |
|---|---|
| Date | May 29, 2020 |
| Book Page | 054278/000692 |
| Instrument | 104353 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 28, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Jan 31, 2019 |
| Property Address | 381 SILMAN ST, FERNDALE, MI 48220-2508 |
| Document Number | 0000015994 |
| Book / Page | 052549 / 000349 |
| Instrument Date | Jan 25, 2019 |
| Instrument | 15994 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2019 |
| Title Company | GM RECORDINGS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,591.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5104 LMHURST AVE ROYAL OAK MI 48073, ROYAL OAK, MI 48073 |
| Document Number | 58325 |
|---|---|
| Date | Jan 31, 2019 |
| Book Page | 052734/000234 |
| Instrument | 58325 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 30, 2049 |
The 2025 property tax bill for 381 Silman St was $6,365 with a homeowner's exemption, down 3% from the year before.
Source: Oakland County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oakland County |
| Municipality | Ferndale City |
| Unified School District | Ferndale Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,365.00 (-3.03%) Homeowner's exemption | $141,950 | $283,900 |
| 2024 | $6,564.00 | ||
| 2023 | $130,140 | $260,280 | |
| 2021 | $6,206.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 381 Silman 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.
The area around 381 Silman 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.
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 718 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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