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481 E Cambourne St, Ferndale, MI 48220 Property Records

Oakland County property record for 481 E Cambourne St, Ferndale, MI 48220

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 1,580 sqft · built 1924
Lot Size0.181 acres (7,884 sqft)
Owner2 Individual Names on File
Last Sale$370,000 (Aug 2022)
Tax Bill$8,377 (2025)
Deeds & MortgagesAug 2022 Sale & Mortgage
Jul 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN24-25-27-455-022

Property Details

APN / Parcel Number

Primary APN24-25-27-455-022

Interior

Bedrooms4 Beds
Full Baths3 Baths
Plumbing Fixtures9 Plumbing Fixtures
Total Rooms7 Rooms
Stories2 Stories
Building Area1,580 sqft Living Area
1st Floor Area985 sqft
Basement Area985 sqft
Unfinished Basement985 sqft

Exterior

Year BuiltBuilt 1924
Effective Year BuiltEffective 2000
Architectural StyleColonial
Exterior MaterialAluminum/Vinyl
Foundation TypeRaised
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area7,884 sqft (0.181 acres)
Lot Dimensions140 ft deep x 56 ft wide
Garage Area404 sqft
Parking Spaces2 Parking Spaces
Deck Area75 sqft
Patio Area272 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address481 E CAMBOURNE ST
CityFERNDALE
StateMI
Zip48220-1307
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAI
Legal DescriptionT1N, R11E, SEC 27 MICHELSON WOODS SUB LOT 102 & W 18 FT OF LOT 103, ALSO 1/2 OF VAC ALLEY ADJ TO SAME
Legal Range11E
Legal Township01N
Legal Section27
Legal SubdivisionMICHELSON WOODS SUB
Legal Lot Number102-103
JurisdictionOAKLAND MI
Township / Civil DivisionFERNDALE
Census Block Group1
Census Block1015
Census Tract173100

Owner

481 E Cambourne St is owned and occupied by two individuals who bought it in August 2022.

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

Owner of Record2 Individual Names on File
Mailing Address481 E CAMBOURNE ST, FERNDALE, MI 48220-1307
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Aug 9, 2022Warranty Deed, Transfer · Conventional Mortgage
FLAGSTAR BANK FSB
Jul 1, 2021Deed of Trust, Mortgage · Conventional Mortgage
PNC BANK NA

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 9, 2022 · Amount on File
Deed SaleAug 9, 2022 · Amount on File
Prior SaleMar 14, 2016 · Amount on File
Deed Document Number2022427391
Deed Book / Page58022 / 228
Record UpdatedOct 29, 2026

August 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOAKLAND MI
Recording DateAug 9, 2022
Property Address481 E CAMBOURNE ST, FERNDALE, MI 48220-1307
Document Number0000427391
Book / Page58022 / 228
Map ReferenceLB 27 PG 18
Instrument DateAug 5, 2022
Instrument427391
Transaction TypeTransfer
Record UpdatedSep 13, 2022
Title CompanyPARKS TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,775.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address481 E CAMBOURNE ST, 481, FERNDALE, MI 48220-1307

Transferred To (Grantee/Buyer)

NameVerified Name
Address3477 CUMMINGS AVE, BERKLEY, MI 48072-1123

Mortgage

Document Number0000429555
DateAug 12, 2022
Book Page58034/165
Instrument429555
Lender
NameFLAGSTAR BANK FSB
TypeBank
AddressTROY, MI 48098
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2052

July 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOAKLAND MI
Property Address481 E CAMBOURNE ST, FERNDALE, MI 48220-1307
Transaction TypeMortgage
Record UpdatedJul 22, 2021
Title CompanyNATIONALLINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address481 E CAMBOURNE ST, FERNDALE, MI 48220-1307

Mortgage

Document Number0000166581
DateJul 1, 2021
Book Page56490/858
Instrument166581
Lender
NamePNC BANK NA
TypeBank
AddressMIAMISBURG, OH 45342
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueJul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 481 E Cambourne St was $8,377 with a homeowner's exemption, down 3.2% from the year before.

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$8,377.00 (-3.17%) Homeowner's exemption$177,070$354,140
2024$8,651.00
2023$164,990$329,980
2021$6,310.00

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 481 E Cambourne St in Zone X, an area of minimal flood risk.

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

The area around 481 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 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 756 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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