477 E Cambourne St, Ferndale, MI 48220 Property Records

Oakland County property record for 477 E Cambourne St, Ferndale, MI 48220

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 668 sqft · built 1920
Lot Size	0.123 acres (5,358 sqft)
Owner	Individual Name on File
Last Sale	$15,000 (Jun 2012)
Tax Bill	$1,789 (2025)
Deeds & Mortgages	Jan 2022 Second Mortgage Jul 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-25-27-455-021`

Property Details

APN / Parcel Number

Primary APN	`24-25-27-455-021`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	668 sqft Living Area
1st Floor Area	668 sqft
Basement Area	668 sqft
Unfinished Basement	668 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Bungalow
Exterior Material	Brick
Foundation Type	No Foundation
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	5,358 sqft (0.123 acres)
Lot Dimensions	140 ft deep x 38 ft wide
Garage Area	450 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	79 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	477 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 101, 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	101
Jurisdiction	OAKLAND MI
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1015
Census Tract	173100

Owner

477 E Cambourne St is owned and occupied by an individual who bought it in June 2012.

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

Owner of Record	Individual Name on File
Mailing Address	477 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
Jan 24, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MICHIGAN UNITED CU
Jul 24, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Feb 2, 2018	Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 7, 2012 · Amount on File
Deed Sale	Jun 7, 2012 · Amount on File
Prior Sale	Oct 6, 2010 · Amount on File
Deed Document Number	20124651
Deed Book / Page	44272 / 692
Prior Transfer Date	Jun 13, 1996
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	477 E CAMBOURNE ST, FERNDALE, MI 48220-1307
Transaction Type	Mortgage
Record Updated	Mar 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	477 E CAMBOURNE ST, FERNDALE, MI 48220-1307

Mortgage

Document Number	0000302027
Date	Jan 24, 2022
Book Page	57340/684
Instrument	302027

Lender

Name	MICHIGAN UNITED CU
Type	Credit Union
Address	LAKE ORION, MI 48361

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	178 Months
Due	Nov 19, 2036

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	Jul 24, 2020
Property Address	477 E CAMBOURNE ST, FERNDALE, MI 48220-1307
Document Number	0000144672
Book / Page	054551 / 000235
Instrument Date	Jul 14, 2020
Instrument	144672
Transaction Type	Transfer
Record Updated	Aug 18, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	2685 COLONIAL WAY BLOOMFIELD HILLS MI 483041624, BLOOMFIELD HILLS, MI 48304-1624

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	477 E CAMBOURNE ST, FERNDALE, MI 48220-1307
Document Number	0000031930
Instrument Date	Feb 2, 2018
Transaction Type	Mortgage
Record Updated	Mar 15, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	477 E CAMBOURNE ST FERNDALE MI 482201307, FERNDALE, MI 48220-1307

Mortgage

Document Number	0000031930
Date	Feb 28, 2018
Book Page	051591/000791
Instrument	31930

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	PONTIAC, MI

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 477 E Cambourne St was $1,789 with a homeowner's exemption, down 1.8% 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	$1,789.00 (-1.76%) Homeowner's exemption	$92,810	$185,620
2024	$1,821.00
2023		$83,200	$166,400
2021	$1,710.00

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

Flood

FEMA maps place 477 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 477 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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