401 E Cambourne St, Ferndale, MI 48220 Property Records

Oakland County property record for 401 E Cambourne St, Ferndale, MI 48220

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 900 sqft · built 1924
Lot Size	0.136 acres (5,924 sqft)
Owner	Individual Name on Record
Last Sale	$303,000 (Sep 2025)
Tax Bill	$5,094 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Jan 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-25-27-451-041`

Property Details

APN / Parcel Number

Primary APN	`24-25-27-451-041`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	900 sqft Living Area
1st Floor Area	891 sqft
Basement Area	891 sqft
Unfinished Basement	891 sqft

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Architectural Style	Bungalow
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	5,924 sqft (0.136 acres)
Lot Dimensions	131 ft deep x 45 ft wide
Garage Area	285 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	168 sqft
Deck Area	100 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	401 E CAMBOURNE ST
City	FERNDALE
State	MI
Zip	48220-1353
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI
Legal Description	T1N, R11E, SEC 27 ASTONS SUB OF KNOWLES HTS LOT 136, ALSO W 1/2 OF LOT 137 5-13-97 FR 036 & 037
Legal Range	11E
Legal Township	01N
Legal Section	27
Legal Subdivision	ASTONS SUB
Legal Lot Number	136
Jurisdiction	OAKLAND MI
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1014
Census Tract	173100

Owner

Source: Oakland County records, as of October 9, 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 Record
Mailing Address	430 N CROOKS RD, 37, CLAWSON, MI 48017-1394
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jan 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 23, 2025	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 23, 2025 · Amount on Record
Deed Sale	Sep 23, 2025 · Amount on Record
Prior Sale	Dec 28, 2016 · Amount on Record
Deed Document Number	2025118484
Deed Book / Page	60544 / 331
Prior Transfer Date	Nov 22, 2016
Prior Transfer Doc	0000237197
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	401 E CAMBOURNE ST, FERNDALE, MI 48220-1353
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2430 NW 62ND ST, SEATTLE, WA 98107-2435

Mortgage

Document Number	0000265415
Date	Nov 30, 2021
Book Page	57127/40
Instrument	265415

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	401 E CAMBOURNE ST, FERNDALE, MI 48220-1353
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 E CAMBOURNE ST, FERNDALE, MI 48220-1353

Mortgage

Document Number	20260012463
Date	Jan 28, 2026
Book Page	60906/734
Instrument	20260012463

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Sep 23, 2025
Property Address	401 E CAMBOURNE ST, FERNDALE, MI 48220-1353
Document Number	0000118484
Book / Page	60544 / 331
Map Reference	LB 10 PG 24
Instrument Date	Sep 12, 2025
Instrument	118484
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,272.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2430 NW 62ND ST, SEATTLE, WA 98107-2435

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 E CAMBOURNE ST, FERNDALE, MI 48220-1353

Mortgage

Document Number	0060538248
Date	Sep 23, 2025
Instrument	60538/248

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Tax Assessment & Valuation

Source: Oakland County assessment roll, as of February 4, 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	$5,094.00 (-1.22%)	$123,190 (+5.76%)	$246,380 (+5.76%)
2024	$5,157.00 (+3.93%)	$116,480 (+2.27%)	$232,960 (+2.27%)
2023	$4,962.00 (+3.79%)	$113,900	$227,800
2021	$4,781.00

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

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

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.

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