490 E Cambourne St, Ferndale, MI 48220 Property Records

Oakland County property record for 490 E Cambourne St, Ferndale, MI 48220

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,250 sqft · built 1997
Lot Size	0.115 acres (5,009 sqft)
Owner	2 Individual Names on File
Last Sale	$332,500 (May 2026)
Tax Bill	$7,876 (2025)
Deeds & Mortgages	Feb 2021 Mortgage May 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24-25-27-456-029`

Property Details

APN / Parcel Number

Primary APN	`24-25-27-456-029`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,250 sqft Living Area
1st Floor Area	625 sqft
Basement Area	625 sqft
Unfinished Basement	625 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	5,009 sqft (0.115 acres)
Lot Dimensions	131 ft deep x 38 ft wide
Deck Area	34 sqft
Patio Area	277 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	490 E CAMBOURNE ST
City	FERNDALE
State	MI
Zip	48220-1306
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI
Legal Description	T1N, R11E, SEC 27 MICHELSON WOODS SUB LOT 79 1-9-97 FR 027
Legal Range	11E
Legal Township	01N
Legal Section	27
Legal Subdivision	MICHELSON WOODS SUB
Legal Lot Number	1,79
Jurisdiction	OAKLAND MI
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1016
Census Tract	173100

Owner

490 E Cambourne St is owned and occupied by two individuals who bought it in May 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	1755 WELLINGTON AVE, BLOOMFIELD HILLS, MI 48302-0062
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Feb 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 7, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN INTERNET MORTGAGE INC
Jul 20, 2018	Warranty Deed, Transfer · Conventional Mortgage AMERICAN INTERNET MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 7, 2026 · Amount on File
Deed Sale	May 7, 2026 · Amount on File
Prior Sale	Jul 20, 2018 · Amount on File
Deed Document Number	202662324
Deed Book / Page	61176 / 561
Prior Transfer Date	Mar 18, 2004
Prior Transfer Doc	0332690478
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	490 E CAMBOURNE ST, FERNDALE, MI 48220-1306
Transaction Type	Mortgage
Record Updated	May 27, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 E CAMBOURNE ST, FERNDALE, MI 48220-1306

Mortgage

Document Number	0000049503
Date	Feb 24, 2021
Book Page	55767/217
Instrument	49503

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	May 7, 2026
Property Address	490 E CAMBOURNE ST, FERNDALE, MI 48220-1306
Document Number	20260062324
Book / Page	61176 / 561
Instrument Date	May 4, 2026
Instrument	2026.62324
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	STERLING TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$251,868.75
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1755 WELLINGTON AVE, BLOOMFIELD HILLS, MI 48302-0062

Mortgage

Document Number	0000063131,
Date	May 7, 2026
Book Page	61181/682
Instrument	2026.63131

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	490 E CAMBOURNE ST, FERNDALE, MI 48220-1306
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009092
Date	Jan 14, 2020
Book Page	53702/00270
Instrument	09092

Lender

Name	AMERICAN INTERNET MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jul 20, 2018
Property Address	490 E CAMBOURNE ST, FERNDALE, MI 48220-1306
Document Number	0000120390
Book / Page	52015 / 00663
Map Reference	LB 27 PG 18
Instrument Date	Jun 27, 2018
Instrument	120390
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	$1,720.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	809 E FARNUM AVE, 809, ROYAL OAK, MI 48067-1916

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 E CAMBOURNE ST, FERNDALE, MI 48220-1306
Investor	Possibly a Property Investor

Mortgage

Document Number	0000120391
Date	Jul 20, 2018
Instrument	120391

Lender

Name	AMERICAN INTERNET MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 490 E Cambourne St was $7,876 with a homeowner's exemption, down 3.1% from the year before.

Source: Oakland County assessment roll, as of February 4, 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	$7,876.00 (-3.14%) Homeowner's exemption	$172,710	$345,420
2024	$8,131.00
2023		$162,530	$325,060
2021	$7,690.00

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 490 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 490 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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