435 Laprairie St, Ferndale, MI 48220 Property Records

Oakland County property record for 435 Laprairie St, Ferndale, MI 48220

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,518 sqft · built 1941
Lot Size	0.223 acres (9,714 sqft)
Owner	Individual Name on Record
Last Sale	$337,000 (Nov 2024)
Tax Bill	$9,472 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Aug 2022 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`24-25-34-377-003`

Property Details

APN / Parcel Number

Primary APN	`24-25-34-377-003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,518 sqft Living Area
1st Floor Area	1,034 sqft
Basement Area	1,034 sqft
Finished Basement	1,034 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1941
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	9,714 sqft (0.223 acres)
Lot Dimensions	254 ft deep x 38 ft wide
Garage Area	530 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	173 sqft
Deck Area	91 sqft
Patio Area	91 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	435 LAPRAIRIE ST
City	FERNDALE
State	MI
Zip	48220-3213
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI
Legal Description	T1N, R11E, SEC 34 WOODWARD FARMS SUB N 38.2 FT OF S 76.4 FT OF LOT 190
Legal Range	11E
Legal Township	01N
Legal Section	34
Legal Subdivision	WOODWARD FARMS SUB
Legal Lot Number	190
Jurisdiction	OAKLAND MI
Township / Civil Division	FERNDALE
Census Block Group	3
Census Block	3009
Census Tract	173400

Owner

Source: Oakland County records, as of May 27, 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	8009 MARSH RD, CLAY, MI 48001-3401
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST MERCHANTS BANK
Aug 9, 2022	Warranty Deed, Transfer TITLE SENSE INC, TITLE ONE INC
Jun 2, 2022	Warranty Deed, Transfer · Commercial Mortgage NEXT BRIDGE FUNDING LLC
Nov 21, 2019	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Aug 26, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jun 23, 2017	Warranty Deed, Transfer · VA Mortgage HANCOCK MORTGAGE PARTNERS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 14, 2024 · Amount on Record
Deed Sale	Nov 14, 2024 · Amount on Record
Prior Sale	Aug 9, 2022 · Amount on Record
Deed Document Number	2024128443
Deed Book / Page	59797 / 124
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	435 LAPRAIRIE ST, FERNDALE, MI 48220-3213
Transaction Type	Mortgage
Record Updated	Jan 19, 2023
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	265 GALLOGLY RD, LAKE ANGELUS, MI 48326-1232

Mortgage

Document Number	0000423735
Date	Aug 2, 2022
Book Page	58001/367
Instrument	423735

Lender

Name	FIRST MERCHANTS BANK
Type	Bank
Address	MUNCIE, IN 47305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Aug 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10%
Index	Other
Margin	3
Max Rate	10%

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Aug 9, 2022
Property Address	435 LAPRAIRIE ST, FERNDALE, MI 48220-3213
Document Number	0000427500
Book / Page	58023 / 60
Map Reference	LB 7 PG 38
Instrument Date	Jul 29, 2022
Instrument	427500
Transaction Type	Transfer
Record Updated	Sep 13, 2022
Title Company	TITLE SENSE INC, TITLE ONE INC

Transaction

Amount	Amount Recorded
Tax	$2,250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	26539 ANCHORAGE CT, 26539, NOVI, MI 48374-2125

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	435 LAPRAIRIE ST, FERNDALE, MI 48220-3213

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jun 2, 2022
Property Address	435 LAPRAIRIE ST, FERNDALE, MI 48220-3213
Document Number	0000389906
Book / Page	57812 / 518
Map Reference	LB 7 PG 38
Instrument Date	May 20, 2022
Instrument	389906
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	TWENTY TWO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,725.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	435 LAPRAIRIE ST, 435, FERNDALE, MI 48220-3213

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	26539 ANCHORAGE CT, NOVI, MI 48374-2125
Investor	Possibly a Property Investor

Mortgage

Document Number	0000395756
Date	Jun 13, 2022
Book Page	57845/128
Instrument	395756

Lender

Name	NEXT BRIDGE FUNDING LLC
Type	Non-Lending Institution
Address	PLYMOUTH, MI 48170

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	435 LAPRAIRIE ST, FERNDALE, MI 48220-3213
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000196406
Date	Nov 21, 2019
Book Page	53535/00222
Instrument	196406

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	332 Months
Due	Jul 1, 2047

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	435 LAPRAIRIE ST, FERNDALE, MI 48220-3213
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000171403
Date	Aug 26, 2020
Book Page	54724/542
Instrument	171403

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	323 Months
Due	Jul 1, 2047

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jun 23, 2017
Property Address	435 LAPRAIRIE ST, FERNDALE, MI 48220-3213
Document Number	0000121192
Book / Page	50798 / 00563
Map Reference	LB 7 PG 38
Instrument Date	May 24, 2017
Instrument	121192
Transaction Type	Transfer
Record Updated	Jun 29, 2021
Title Company	CHELSEA TITLE AGENCY

Transaction

Amount	Amount Recorded
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	435 LAPRAIRIE ST, 435, FERNDALE, MI 48220-3213

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	435 LAPRAIRIE ST, FERNDALE, MI 48220-3213

Mortgage

Document Number	0000121193
Date	Jun 23, 2017
Instrument	121193

Lender

Name	HANCOCK MORTGAGE PARTNERS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

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	$9,472.00 (+40.85%)	$141,730 (+14.7%)	$283,460 (+14.7%)
2024	$6,725.00 (+35.48%)
2023		$123,570	$247,140
2021	$4,964.00

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	Low lower than 98% of the US · lower than 95% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 728 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

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