441 E Cambourne St, Ferndale, MI 48220 Property Records

Oakland County property record for 441 E Cambourne St, Ferndale, MI 48220

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,198 sqft · built 1919
Lot Size	0.121 acres (5,271 sqft)
Owner	Individual Name on File
Last Sale	$315,000 (Dec 2023)
Tax Bill	$8,860 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Dec 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-25-27-455-012`

Property Details

APN / Parcel Number

Primary APN	`24-25-27-455-012`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,198 sqft Living Area
1st Floor Area	1,099 sqft
Basement Area	1,099 sqft
Unfinished Basement	1,099 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1919
Exterior Material	Brick
Construction Type	Brick
Roof Type	Hip
Lot Area	5,271 sqft (0.121 acres)
Lot Dimensions	131 ft deep x 40 ft wide
Garage Area	675 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	122 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	441 E CAMBOURNE ST
City	FERNDALE
State	MI
Zip	48220-1307
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AI
Legal Description	T1N, R11E, SEC 27 MICHELSON WOODS SUB LOT 92
Legal Range	11E
Legal Township	01N
Legal Section	27
Legal Subdivision	MICHELSON WOODS SUB
Legal Lot Number	92
Jurisdiction	OAKLAND MI
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1015
Census Tract	173100

Owner

441 E Cambourne St is owned and occupied by an individual who bought it in December 2023.

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

Owner of Record	Individual Name on File
Mailing Address	441 E CAMBOURNE ST, FERNDALE, MI 48220-1307
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 10, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 13, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 13, 2023 · Amount on File
Deed Sale	Dec 13, 2023 · Amount on File
Prior Sale	Feb 12, 2003 · Amount on File
Deed Document Number	2023134440
Deed Book / Page	59058 / 342
Prior Transfer Date	Mar 20, 1998
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	441 E CAMBOURNE ST, FERNDALE, MI 48220-1307
Transaction Type	Mortgage
Record Updated	Dec 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	441 E CAMBOURNE ST, FERNDALE, MI 48220-1307

Mortgage

Document Number	20250154770
Date	Dec 10, 2025
Book Page	60772/231
Instrument	20250154770

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2055

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Dec 13, 2023
Property Address	441 E CAMBOURNE ST, FERNDALE, MI 48220-1307
Document Number	0000134440
Book / Page	59058 / 342
Map Reference	LB 27 PG 18
Instrument Date	Dec 8, 2023
Instrument	134440
Transaction Type	Transfer
Record Updated	Dec 28, 2023
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,362.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	225 HAWKINS CREEK CT, GREENVILLE, SC 29609-6311

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	441 E CAMBOURNE ST, FERNDALE, MI 48220-1307

Mortgage

Document Number	0059058345
Date	Dec 13, 2023
Instrument	59058/345

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 441 E Cambourne St was $8,860 with a homeowner's exemption, down 5% 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	$8,860.00 (-5.03%) Homeowner's exemption	$185,370	$370,740
2024	$9,329.00
2023		$170,900	$341,800
2021	$5,996.00

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

Flood

FEMA maps place 441 E Cambourne 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 441 E Cambourne 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 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.

Nearby Properties on E Cambourne St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures