447 Fielding St, Ferndale, MI 48220 Property Records

Oakland County property record for 447 Fielding St, Ferndale, MI 48220

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 900 sqft · built 1992
Lot Size	0.137 acres (5,968 sqft)
Owner	Individual Name on File
Last Sale	$140,000 (Aug 2018)
Tax Bill	$4,227 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit Dec 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24-25-34-379-031`

Property Details

APN / Parcel Number

Primary APN	`24-25-34-379-031`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	900 sqft Living Area
1st Floor Area	900 sqft
Basement Area	900 sqft
Unfinished Basement	900 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	5,968 sqft (0.137 acres)
Lot Dimensions	79 ft deep x 40 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	447 FIELDING ST
City	FERNDALE
State	MI
Zip	48220-2481
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI
Legal Description	T1N, R11E, SEC 34 WOODWARD FARMS SUB PART OF LOT 193 BEG AT PT DIST N 01-48-00 W 41 FT & N 88-33-00 E 105 FT FROM SW LOT COR, TH N 01-48-00 W 80.19 FT, TH N 89-07-47 E 75.01 FT, TH S 01-48-00 E 79.43 FT, TH S 88-33-00 W 75 FT TO BEG 4-6-92 FR 002 & 0
Legal Range	11E
Legal Township	01N
Legal Section	34
Legal Subdivision	WOODWARD FARMS SUB
Legal Lot Number	193
Jurisdiction	OAKLAND MI
Township / Civil Division	FERNDALE
Census Block Group	3
Census Block	3007
Census Tract	173400

Owner

447 Fielding St is owned and occupied by an individual who bought it in August 2018.

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

Owner of Record	Individual Name on File
Mailing Address	447 FIELDING ST, FERNDALE, MI 48220-2481
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
Apr 28, 2023	Deed of Trust, Mortgage · Line of Credit MICHIGAN EDUCATIONAL CU
Dec 10, 2021	Deed of Trust, Mortgage ROCKET MORTGAGE LLC
Feb 16, 2021	Deed of Trust, Mortgage QUICKEN LOANS LLC
Aug 31, 2018	Warranty Deed, Transfer · ARM CHEMICAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2018 · Amount on File
Deed Sale	Aug 31, 2018 · Amount on File
Prior Sale	Aug 11, 2005 · Amount on File
Deed Document Number	2018144444
Deed Book / Page	52142 / 568
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	447 FIELDING ST, FERNDALE, MI 48220-2481
Transaction Type	Mortgage
Record Updated	May 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	447 FIELDING ST, FERNDALE, MI 48220-2481

Mortgage

Document Number	0000047280
Date	Apr 28, 2023
Book Page	58572/161
Instrument	47280

Lender

Name	MICHIGAN EDUCATIONAL CU
Type	Credit Union
Address	PLYMOUTH, MI 48170

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	447 FIELDING ST, FERNDALE, MI 48220-2481
Transaction Type	Mortgage
Record Updated	Feb 15, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	447 FIELDING ST, FERNDALE, MI 48220-2481

Mortgage

Document Number	0000272145
Date	Dec 10, 2021
Book Page	57165/675
Instrument	272145

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	447 FIELDING ST, FERNDALE, MI 48220-2481
Transaction Type	Mortgage
Record Updated	Mar 29, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	447 FIELDING ST, FERNDALE, MI 48220-2481

Mortgage

Document Number	0000041059
Date	Feb 16, 2021
Book Page	55700/51
Instrument	41059

Lender

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

Agreement

Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Aug 31, 2018
Property Address	447 FIELDING ST, FERNDALE, MI 48220-2481
Document Number	0000144444
Book / Page	52142 / 00568
Map Reference	LB 7 PG 38
Instrument Date	Aug 28, 2018
Instrument	144444
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	$1,204.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1959 HYLAND ST, 1959, FERNDALE, MI 48220-3803

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	447 FIELDING ST, FERNDALE, MI 48220-2481

Mortgage

Document Number	0000144445
Date	Aug 31, 2018
Instrument	144445

Lender

Name	CHEMICAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Sep 1, 2025
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	9.5%
Index	1-Year LIBOR
Max Rate	9.5%

Tax Assessment & Valuation

The 2025 property tax bill for 447 Fielding St was $4,227 with a homeowner's exemption, down 2.8% 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	$4,227.00 (-2.81%) Homeowner's exemption	$119,710	$239,420
2024	$4,349.00
2023		$103,830	$207,660
2021	$4,106.00

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

Flood

FEMA maps place 447 Fielding 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

Wildfire risk around 447 Fielding St is low, with less than a 0.01% annual chance of 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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