489 E Cambourne St, Ferndale, MI 48220 Property Records

Oakland County property record for 489 E Cambourne St, Ferndale, MI 48220

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,042 sqft · built 1924
Lot Size	0.187 acres (8,146 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Oct 2025)
Tax Bill	$5,815 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Jan 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-25-27-455-023`

Property Details

APN / Parcel Number

Primary APN	`24-25-27-455-023`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,042 sqft Living Area
1st Floor Area	758 sqft
Basement Area	758 sqft
Unfinished Basement	758 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	8,146 sqft (0.187 acres)
Lot Dimensions	140 ft deep x 58 ft wide
Garage Area	497 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	127 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	489 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 E 20 FT OF LOT 103 & ALL OF LOT 104, ALSO 1/2 OF VAC ALLEY ADJ TO SAME 6-19-89 CORR
Legal Range	11E
Legal Township	01N
Legal Section	27
Legal Subdivision	MICHELSON WOODS SUB
Legal Lot Number	103-104
Jurisdiction	OAKLAND MI
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1015
Census Tract	173100

Owner

489 E Cambourne St is owned and occupied by two individuals who bought it in October 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	1708 BAUSS CT, MIDLAND, MI 48642-4072
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Oct 13, 2025	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 20, 2021	Warranty Deed, Transfer · Conventional Mortgage SUMMIT FUNDING INC
Dec 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2025 · Amount on File
Deed Sale	Oct 13, 2025 · Amount on File
Prior Sale	Jan 20, 2021 · Amount on File
Deed Document Number	2025129681
Deed Book / Page	60616 / 415
Prior Transfer Date	Sep 7, 2010
Prior Transfer Doc	0000197332
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Oct 13, 2025
Property Address	489 E CAMBOURNE ST, FERNDALE, MI 48220-1307
Document Number	0000129681
Book / Page	60616 / 415
Map Reference	LB 27 PG 18
Instrument Date	Oct 8, 2025
Instrument	129681
Transaction Type	Transfer
Record Updated	Oct 27, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,437.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	489 E CAMBOURNE ST, FERNDALE, MI 48220-1307

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1708 BAUSS CT, MIDLAND, MI 48642-4072

Mortgage

Document Number	0060635149
Date	Oct 13, 2025
Instrument	60635/149

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jan 20, 2021
Property Address	489 E CAMBOURNE ST, FERNDALE, MI 48220-1307
Document Number	0000016480
Book / Page	55540 / 394
Map Reference	LB 27 PG 18
Instrument Date	Nov 16, 2020
Instrument	16480
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	$2,150.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	489 B CAMBOURNE STREET, 489, FERNDALE, MI 48220

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	30334 KINGSWAY DR, FARMINGTON HILLS, MI 48331-1649

Mortgage

Document Number	0055540396
Date	Jan 20, 2021
Instrument	55540/396

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 1, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	489 E CAMBOURNE ST, FERNDALE, MI 48220-1307
Document Number	0000007243
Instrument Date	Dec 13, 2019
Transaction Type	Mortgage
Record Updated	Feb 17, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	489 E CAMBOURNE ST FERNDALE MI 482201307, FERNDALE, MI 48220-1307

Mortgage

Document Number	0000007243
Date	Jan 10, 2020
Book Page	053691/000291
Instrument	7243

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48221-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 9, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 489 E Cambourne St was $5,815 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	$5,815.00 (-3%) Homeowner's exemption	$133,750 (+7.42%)	$267,500 (+7.42%)
2024	$5,995.00 (+3.49%) Homeowner's exemption	$124,510 (+4.26%)	$249,020 (+4.26%)
2023	$5,793.00 Homeowner's exemption	$119,420	$238,840
2021	$5,666.00

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 489 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 489 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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