437 Pearson St, Ferndale, MI 48220 Property Records

Oakland County property record for 437 Pearson St, Ferndale, MI 48220

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,356 sqft · built 1927
Lot Size	0.103 acres (4,487 sqft)
Owner	2 Individual Names on File
Last Sale	$220,000 (Feb 2019)
Tax Bill	$5,735 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-25-34-176-008`

Property Details

APN / Parcel Number

Primary APN	`24-25-34-176-008`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,356 sqft Living Area
1st Floor Area	904 sqft
Basement Area	904 sqft
Unfinished Basement	904 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	4,487 sqft (0.103 acres)
Lot Dimensions	112 ft deep x 40 ft wide
Garage Area	373 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	136 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	437 PEARSON ST
City	FERNDALE
State	MI
Zip	48220-3309
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI
Legal Description	T1N, R11E, SEC 34 ADD TO GREENWOOD PARK LOT 240 & N 1/2 OF VAC ALLEY ADJ TO SAME
Legal Range	11E
Legal Township	01N
Legal Section	34
Legal Subdivision	PARK
Legal Lot Number	240
Jurisdiction	OAKLAND MI
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2007
Census Tract	173400

Owner

437 Pearson St is owned and occupied by two individuals who bought it in February 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	437 PEARSON ST, FERNDALE, MI 48220-3309
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU
Feb 26, 2019	Warranty Deed, Transfer · Conventional with PMI LAKE MI CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 26, 2019 · Amount on File
Deed Sale	Feb 26, 2019 · Amount on File
Prior Sale	Mar 25, 2004 · Amount on File
Deed Document Number	201926529
Deed Book / Page	52603 / 243
Prior Transfer Date	Jan 4, 2013
Prior Transfer Doc	0000051727
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	437 PEARSON ST, FERNDALE, MI 48220-3309
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	854 ALLEN ST, FERNDALE, MI 48220-2499

Mortgage

Document Number	0000281467
Date	Dec 23, 2021
Book Page	57221/539
Instrument	281467

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Feb 26, 2019
Property Address	437 PEARSON ST, FERNDALE, MI 48220-3309
Document Number	0000026529
Book / Page	052603 / 000243
Instrument Date	Feb 22, 2019
Instrument	26529
Transaction Type	Transfer
Record Updated	Mar 15, 2019
Title Company	PARTNERS TITLE AGENCY LLC, PARTNERS TITLE AGCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,892.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	854 ALLEN ST FERNDALE MI 482202499, FERNDALE, MI 48220-2499

Mortgage

Document Number	26530
Date	Feb 26, 2019
Book Page	052603/000245
Instrument	26530

Lender

Name	LAKE MI CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Feb 25, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 437 Pearson St was $5,735 with a homeowner's exemption, down 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	$5,735.00 (-2.98%) Homeowner's exemption	$137,710	$275,420
2024	$5,911.00
2023		$124,250	$248,500
2021	$5,586.00

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

Flood

FEMA maps place 437 Pearson 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 437 Pearson 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 847 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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