460 E Cambourne St, Ferndale, MI 48220 Property Records

Oakland County property record for 460 E Cambourne St, Ferndale, MI 48220

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,084 sqft · built 1923
Lot Size	0.129 acres (5,619 sqft)
Owner	Individual Name on File
Last Sale	$146,500 (Aug 2015)
Tax Bill	$5,470 (2025)
Deeds & Mortgages	Aug 2026 Mortgage May 2026 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-25-27-456-005`

Property Details

APN / Parcel Number

Primary APN	`24-25-27-456-005`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,084 sqft Living Area
1st Floor Area	832 sqft
Basement Area	832 sqft
Finished Basement	832 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 2009
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	5,619 sqft (0.129 acres)
Lot Dimensions	140 ft deep x 40 ft wide
Porch	Slab
Porch Area	128 sqft
Deck Area	25 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	460 E CAMBOURNE ST
City	FERNDALE
State	MI
Zip	48220-1306
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AI
Legal Description	T1N, R11E, SEC 27 MICHELSON WOODS SUB LOT 85, ALSO 1/2 OF VAC ALLEY ADJ TO SAME
Legal Range	11E
Legal Township	01N
Legal Section	27
Legal Subdivision	MICHELSON WOODS SUB
Legal Lot Number	85
Jurisdiction	OAKLAND MI
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1016
Census Tract	173100

Owner

460 E Cambourne St is owned and occupied by an individual who bought it in August 2015.

Source: Oakland County records, as of August 28, 2026

Owner of Record	Individual Name on File
Mailing Address	460 E CAMBOURNE ST, FERNDALE, MI 48220-1306
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
Aug 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORPORATION
May 22, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Feb 4, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage STAUNTON FINANCIAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2015 · Amount on File
Deed Sale	Aug 4, 2015 · Amount on File
Prior Sale	Oct 8, 2008 · Amount on File
Deed Document Number	20157675
Deed Book / Page	48463 / 90
Prior Transfer Date	Jul 5, 2007
Prior Transfer Doc	0000158843
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Recording Date	Aug 20, 2026
Property Address	460 E CAMBOURNE ST, FERNDALE, MI 48220-1306
Document Number	0000124825
Book / Page	61479 / 770
Instrument Date	Jul 10, 2026
Instrument	2026124825
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	460 E CAMBOURNE ST, FERNDALE, MI 48220-1306

Mortgage

Document Number	0000124825,
Date	Aug 20, 2026
Book Page	61479/770
Instrument	2026124825

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	294 Months
Due	Feb 1, 2051

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	May 22, 2026
Property Address	460 E CAMBOURNE ST, FERNDALE, MI 48220-1306
Document Number	0000069724
Book / Page	61221 / 675
Instrument Date	May 20, 2026
Instrument	202669724
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	460 E CAMBOURNE ST, FERNDALE, MI 48220-1306

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OAKLAND MI
Recording Date	Feb 4, 2021
Property Address	460 E CAMBOURNE ST, FERNDALE, MI 48220-1306
Document Number	0000031119
Book / Page	55638 / 466
Map Reference	LB 27 PG 18
Instrument Date	Jan 6, 2021
Instrument	31119
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	460 E CAMBOURNE ST, FERNDALE, MI 48220-1306

Mortgage

Document Number	0055638469
Date	Feb 4, 2021
Instrument	55638/469

Lender

Name	STAUNTON FINANCIAL INC
Type	Non-Lending Institution

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 460 E Cambourne St was $5,470 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	$5,470.00 (-2.96%) Homeowner's exemption	$125,020	$250,040
2024	$5,637.00
2023		$116,140	$232,280
2021	$4,547.00

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

Flood

FEMA maps place 460 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 460 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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