415 Academy St, Ferndale, MI 48220 Property Records

Oakland County property record for 415 Academy St, Ferndale, MI 48220

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,340 sqft · built 1954
Lot Size	0.125 acres (5,445 sqft)
Owner	Individual Name on File
Last Sale	$259,000 (Nov 2019)
Tax Bill	$7,004 (2025)
Deeds & Mortgages	Jun 2022 Transfer Nov 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-25-34-230-029`

Property Details

APN / Parcel Number

Primary APN	`24-25-34-230-029`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,340 sqft Living Area
1st Floor Area	1,340 sqft
Basement Area	1,184 sqft
Unfinished Basement	2,072 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Raised
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	5,445 sqft (0.125 acres)
Lot Dimensions	108 ft deep x 50 ft wide
Garage Area	473 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	114 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	415 ACADEMY ST
City	FERNDALE
State	MI
Zip	48220-2820
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AI
Legal Description	T1N, R11E, SEC 34 THE LITTLE FARMS SUB E 1/2 OF LOT 102
Legal Range	11E
Legal Township	01N
Legal Section	34
Legal Subdivision	THE LITTLE FARMS SUB
Legal Lot Number	102
Jurisdiction	OAKLAND MI
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2006
Census Tract	173500

Owner

415 Academy St is owned and occupied by an individual who acquired it in June 2022.

Source: Oakland County records, as of May 27, 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	Individual Name on File
Mailing Address	415 ACADEMY ST, FERNDALE, MI 48220-2820
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2022	Intrafamily Transfer, Transfer
Nov 19, 2019	Warranty Deed, Transfer · Conventional with PMI MICHIGAN FIRST CU
Aug 1, 2017	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 19, 2019 · Amount on File
Deed Sale	Nov 19, 2019 · Amount on File
Prior Sale	Aug 1, 2017 · Amount on File
Deed Document Number	20194627
Deed Book / Page	53525 / 57
Last Transfer Date	Jun 15, 2022
Transfer Doc	0000407779
Record Updated	Oct 29, 2026

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OAKLAND MI
Recording Date	Jun 30, 2022
Property Address	415 ACADEMY ST, FERNDALE, MI 48220-2820
Document Number	0000407779
Book / Page	57915 / 147
Map Reference	LB 7 PG 29
Instrument Date	Jun 15, 2022
Instrument	407779
Transaction Type	Transfer
Record Updated	Jan 19, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	415 ACADEMY ST, FERNDALE, MI 48220-2820

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 ACADEMY ST, FERNDALE, MI 48220-2820

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Nov 19, 2019
Property Address	415 ACADEMY ST, FERNDALE, MI 48220-2820
Document Number	0000194627
Book / Page	053525 / 000057
Instrument Date	Nov 7, 2019
Instrument	194627
Transaction Type	Transfer
Record Updated	Jan 8, 2020
Title Company	OTHER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,227.40
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	250 FLOWERDALE ST FERNDALE MI 482201811, FERNDALE, MI 48220-1811

Mortgage

Document Number	190286
Date	Nov 19, 2019
Book Page	053497/000518
Instrument	190286

Lender

Name	MICHIGAN FIRST CU
Type	Credit Union
Address	LATHRUP VILLAGE, MI 48076

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 18, 2049

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Aug 1, 2017
Property Address	415 ACADEMY ST, FERNDALE, MI 48220-2820
Document Number	0000144219
Book / Page	50922 / 00117
Map Reference	LB 7 PG 29
Instrument Date	Jul 28, 2017
Instrument	144219
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	$1,720.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	415 ACADEMY ST, 415, FERNDALE, MI 48220-2820

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4430 REILLY DR, TROY, MI 48085-4917

Mortgage

Document Number	0000144220
Date	Aug 1, 2017
Instrument	144220

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 415 Academy St was $7,004 with a homeowner's exemption, down 3.1% from the year before.

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	$7,004.00 (-3.09%) Homeowner's exemption	$158,800	$317,600
2024	$7,227.00
2023		$146,760	$293,520
2021	$6,833.00

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

Flood

FEMA maps place 415 Academy St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.

Source: FEMA National Flood Hazard Layer, effective December 8, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2014 · Severe Storms And Flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 415 Academy 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 797 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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