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450 Pearson St, Ferndale, MI 48220 Property Records

Oakland County property record for 450 Pearson St, Ferndale, MI 48220

Property Summary

Property TypeSingle Family Home
Details4 bd · 1.5 ba · 1,155 sqft · built 1924
Lot Size0.118 acres (5,140 sqft)
Owner2 Individual Names on Record
Last Sale$159,900 (Oct 2016)
Tax Bill$4,986 (2025)
Deeds & MortgagesJun 2026 Mortgage
Jan 2023 Line of Credit
Flood ZoneZone X (minimal risk)
APN24-25-34-132-037

Property Details

APN / Parcel Number

Primary APN24-25-34-132-037

Interior

Bedrooms4 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms5 Rooms
Stories1 Story
Building Area1,155 sqft Living Area
1st Floor Area931 sqft
Basement Area633 sqft
Finished Basement633 sqft
Game RoomGame Room

Exterior

Year BuiltBuilt 1924
Effective Year BuiltEffective 1924
Architectural StyleBungalow
Exterior MaterialAluminum/Vinyl
Foundation TypeRaised
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area5,140 sqft (0.118 acres)
Lot Dimensions129 ft deep x 40 ft wide
Garage Area375 sqft
Parking Spaces1 Parking Space
PorchSlab
Porch Area186 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas
SewerMunicipal

Location & Zoning

Street Address450 PEARSON ST
CityFERNDALE
StateMI
Zip48220-3308
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRI
Legal DescriptionT1N, R11E, SEC 34 ADD TO GREENWOOD PARK LOT 227, ALSO 1/2 OF VAC ALLEY ADJ TO SAME
Legal Range11E
Legal Township01N
Legal Section34
Legal SubdivisionPARK
Legal Lot Number227
JurisdictionOAKLAND MI
Township / Civil DivisionFERNDALE
Census Block Group2
Census Block2005
Census Tract173400

Owner

Source: Oakland County records, as of June 12, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address450 PEARSON ST, FERNDALE, MI 48220-3308
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 5, 2026Deed of Trust, Mortgage · Conventional Mortgage
LAKE TRUST CREDIT UNION
Jan 4, 2023Deed of Trust, Mortgage · Line of Credit
FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 18, 2016 · Amount on Record
Deed SaleOct 18, 2016 · Amount on Record
Deed Document Number2016200367
Deed Book / Page49963 / 27
Record UpdatedOct 29, 2026

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOAKLAND MI
Recording DateJun 5, 2026
Property Address450 PEARSON ST, FERNDALE, MI 48220-3308
Document Number0000080814
Book / Page61268 / 374
Instrument DateMay 29, 2026
Instrument202680814
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address450 PEARSON ST, FERNDALE, MI 48220-3308

Mortgage

Document Number0000080814,
DateJun 5, 2026
Book Page61268/374
Instrument202680814
Lender
NameLAKE TRUST CREDIT UNION
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueJun 5, 2046
Interest
Rate TypeFixed Rate
Rate6.3%
Initial TypeFixed Rate
Max Rate-1%

January 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOAKLAND MI
Property Address450 PEARSON ST, FERNDALE, MI 48220-3308
Transaction TypeMortgage
Record UpdatedJan 24, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address450 PEARSON ST, FERNDALE, MI 48220-3308

Mortgage

Document Number0000001196
DateJan 4, 2023
Book Page58352/437
Instrument1196
Lender
NameFLAGSTAR BANK FSB
TypeBank
AddressTROY, MI 48098
Agreement
TypeLine of Credit
AmountAmount Recorded
Term358 Months
DueNov 1, 2052
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

Source: Oakland County assessment roll, as of January 21, 2026

Property Jurisdictions

TypeName
StateMichigan
CountyOakland County
MunicipalityFerndale City
Unified School DistrictFerndale Public Schools (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,986.00 (-2.9%) Homeowner's exemption$132,490 (+10.49%)$264,980 (+10.49%)
2024$5,135.00 (+7.09%)
2023$119,910$239,820
2021$4,795.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective December 8, 2024

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskNot 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 SystemFERNDALE
serves 22,105 people · EPA ID MI0002280
Water SourcePurchased surface water from GREAT LAKES WATER AUTHORITY
Last State InspectionMay 2021
Lead9 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureLead public education
Nov 2020
Monitoring and Reporting2
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

ProviderMax 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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