445 E Cambourne St, Ferndale, MI 48220 Property Records

Oakland County property record for 445 E Cambourne St, Ferndale, MI 48220

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,540 sqft · built 1926
Lot Size	0.121 acres (5,271 sqft)
Owner	2 Individual Names on File
Last Sale	$282,000 (Jul 2021)
Tax Bill	$6,817 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jul 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24-25-27-455-013`

Property Details

APN / Parcel Number

Primary APN	`24-25-27-455-013`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,540 sqft Living Area
1st Floor Area	880 sqft
Basement Area	880 sqft
Unfinished Basement	880 sqft
Game Room	Game Room

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	5,271 sqft (0.121 acres)
Lot Dimensions	131 ft deep x 40 ft wide
Garage Area	412 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	177 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	445 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 93
Legal Range	11E
Legal Township	01N
Legal Section	27
Legal Subdivision	MICHELSON WOODS SUB
Legal Lot Number	93
Jurisdiction	OAKLAND MI
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1015
Census Tract	173100

Owner

445 E Cambourne St is owned and occupied by two individuals who bought it in July 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	445 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
Jul 8, 2021	Deed of Trust, Mortgage · Stand-Alone First Mortgage QUICKEN LOANS LLC
Jul 13, 2021	Warranty Deed, Transfer DEVON TITLE COMPANY, DEVON TITLE AGENCY
Sep 1, 2017	Deed of Trust, Mortgage · Conventional Mortgage ROSS MORTGAGE CORP
Jun 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2021 · Amount on File
Deed Sale	Jul 13, 2021 · Amount on File
Prior Sale	Jul 10, 2008 · Amount on File
Deed Document Number	2021174296
Deed Book / Page	56540 / 750
Prior Transfer Date	Jan 7, 2016
Prior Transfer Doc	0000009472
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	445 E CAMBOURNE ST, FERNDALE, MI 48220-1307
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4630 JACKSON ST, DEARBORN HEIGHTS, MI 48125-3014

Mortgage

Document Number	0000170611
Date	Jul 8, 2021
Book Page	56517/338
Instrument	170611

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jul 13, 2021
Property Address	445 E CAMBOURNE ST, FERNDALE, MI 48220-1307
Document Number	0000174296
Book / Page	56540 / 750
Map Reference	LB 27 PG 18
Instrument Date	Jun 28, 2021
Instrument	174296
Transaction Type	Transfer
Record Updated	Aug 2, 2021
Title Company	DEVON TITLE COMPANY, DEVON TITLE AGENCY

Transaction

Amount	Amount on Record
Tax	$2,425.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	445 E CAMBOURNE ST, 445, FERNDALE, MI 48220-1307

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	445 E CAMBOURNE ST, FERNDALE, MI 48220-1307
Investor	Possibly a Property Investor

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	445 E CAMBOURNE ST, FERNDALE, MI 48220-1307
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000164826
Date	Sep 1, 2017
Book Page	51034/00460
Instrument	164826

Lender

Name	ROSS MORTGAGE CORP
Type	Mortgage Company
Address	TROY, MI 48084

Agreement

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

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	445 E CAMBOURNE ST, FERNDALE, MI 48220-1307
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000111120
Date	Jun 10, 2020
Book Page	54327/59
Instrument	111120

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company
Address	PORTAGE, MI 49002

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 445 E Cambourne St was $6,817 with a homeowner's exemption, down 3.1% 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	$6,817.00 (-3.07%) Homeowner's exemption	$144,520	$289,040
2024	$7,033.00
2023		$132,170	$264,340
2021	$3,358.00

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

FEMA maps place 445 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 445 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.

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