540 E Cambourne St, Ferndale, MI 48220 Property Records

Oakland County property record for 540 E Cambourne St, Ferndale, MI 48220

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,450 sqft · built 1928
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on File
Last Sale	$118,000 (May 2014)
Tax Bill	$5,637 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Aug 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-25-27-481-004`

Property Details

APN / Parcel Number

Primary APN	`24-25-27-481-004`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,450 sqft Living Area
1st Floor Area	868 sqft
Basement Area	868 sqft
Unfinished Basement	868 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Lot Area	3,920 sqft (0.09 acres)
Lot Dimensions	105 ft deep x 37 ft wide

Exterior Amenities

Porch	Porch
Porch Area	186 sqft
Deck Area	92 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	540 E CAMBOURNE ST
City	FERNDALE
State	MI
Zip	48220-1314
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI
Legal Description	T1N, R11E, SEC 27 URBANREST SUB LOT 10, ALSO E 1/2 OF LOT 11, ALSO 1/2 OF VAC ALLEY ADJ TO SAME BLK 22
Legal Range	11E
Legal Township	01N
Legal Section	27
Legal Subdivision	URBANREST SUB
Legal Block	22
Legal Lot Number	10-11
Jurisdiction	OAKLAND MI
Township / Civil Division	FERNDALE
Census Block Group	5
Census Block	5012
Census Tract	173000

Owner

540 E Cambourne St is owned by an individual who bought it in May 2014.

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

Owner of Record	Individual Name on File
Mailing Address	513 ALBANY ST, FERNDALE, MI 48220-3333
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
Jun 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 7, 2018	Deed of Trust, Mortgage · Conventional Mortgage LEVEL ONE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 2, 2014 · Amount on File
Deed Sale	May 2, 2014 · Amount on File
Prior Sale	Mar 25, 2004 · Amount on File
Deed Document Number	201483387
Deed Book / Page	47002 / 424
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	540 E CAMBOURNE ST, FERNDALE, MI 48220-1314
Transaction Type	Mortgage
Record Updated	May 1, 2023
Title Company	TITLE ONE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	513 ALBANY ST, FERNDALE, MI 48220-3333
Investor	Possibly a Property Investor

Mortgage

Document Number	0000166026
Date	Jun 30, 2021
Book Page	56487/588
Instrument	166026

Lender

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

Agreement

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

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	540 E CAMBOURNE ST, FERNDALE, MI 48220-1314
Transaction Type	Mortgage
Record Updated	Oct 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000131209
Date	Aug 7, 2018
Book Page	52071/00026
Instrument	131209

Lender

Name	LEVEL ONE BANK
Type	Bank
Address	FARMINGTON, MI 48334

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 540 E Cambourne St was $5,637, down 0.9% 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	$5,637.00 (-0.91%)	$124,560	$249,120
2024	$5,689.00
2023		$113,830	$227,660
2021	$5,265.00

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

Flood

FEMA maps place 540 E Cambourne St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 8, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 540 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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