545 Ardmore Dr, Ferndale, MI 48220 Property Records

Oakland County property record for 545 Ardmore Dr, Ferndale, MI 48220

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 974 sqft · built 1975
Lot Size	0.125 acres (5,445 sqft)
Owner	Individual Name on File
Last Sale	$229,900 (Apr 2019)
Tax Bill	$6,250 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Apr 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-25-34-229-039`

Property Details

APN / Parcel Number

Primary APN	`24-25-34-229-039`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	974 sqft Living Area
1st Floor Area	974 sqft
Basement Area	974 sqft
Finished Basement	974 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	5,445 sqft (0.125 acres)
Lot Dimensions	108 ft deep x 50 ft wide
Garage Area	497 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	109 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	545 ARDMORE DR
City	FERNDALE
State	MI
Zip	48220-3321
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AI
Legal Description	T1N, R11E, SEC 34 THE LITTLE FARMS SUB W 1/2 OF LOT 141
Legal Range	11E
Legal Township	01N
Legal Section	34
Legal Subdivision	THE LITTLE FARMS SUB
Legal Lot Number	141
Jurisdiction	OAKLAND MI
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2005
Census Tract	173500

Owner

545 Ardmore Dr is owned and occupied by an individual who bought it in April 2019.

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

Owner of Record	Individual Name on File
Mailing Address	545 ARDMORE DR, FERNDALE, MI 48220-3321
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
Jul 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Apr 8, 2019	Warranty Deed, Transfer · Conventional Mortgage KAYE FINANCIAL CORP
Sep 14, 2018	Warranty Deed, Transfer LIBERTY TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 8, 2019 · Amount on File
Deed Sale	Apr 8, 2019 · Amount on File
Prior Sale	Sep 14, 2018 · Amount on File
Deed Document Number	201953204
Deed Book / Page	52711 / 199
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	545 ARDMORE DR, FERNDALE, MI 48220-3321
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000130017
Date	Jul 6, 2020
Book Page	54447/1
Instrument	130017

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

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

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Apr 8, 2019
Property Address	545 ARDMORE DR, FERNDALE, MI 48220-3321
Document Number	0000053204
Book / Page	52711 / 00199
Map Reference	LB 7 PG 29
Instrument Date	Mar 29, 2019
Instrument	053204
Transaction Type	Transfer
Record Updated	Jun 29, 2021
Title Company	FIRST PRIORITY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,978.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	23071 MAJESTIC ST, 23071, OAK PARK, MI 48237-2217

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 ARDMORE DR, FERNDALE, MI 48220-3321

Mortgage

Document Number	0000053205
Date	Apr 8, 2019
Instrument	053205

Lender

Name	KAYE FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2049

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Sep 14, 2018
Property Address	545 ARDMORE DR, FERNDALE, MI 48220-3321
Document Number	0000152074
Book / Page	052186 / 000188
Instrument Date	Sep 12, 2018
Instrument	152074
Transaction Type	Transfer
Record Updated	Oct 8, 2018
Title Company	LIBERTY TITLE

Transaction

Amount	Amount on Record
Tax	$1,139.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	23071 MAJESTIC ST OAK PARK MI 482372217, OAK PARK, MI 48237-2217

Tax Assessment & Valuation

The 2025 property tax bill for 545 Ardmore Dr was $6,250 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	$6,250.00 (-3.04%) Homeowner's exemption	$136,090	$272,180
2024	$6,446.00
2023		$127,370	$254,740
2021	$5,944.00

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

Flood

FEMA maps place 545 Ardmore Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.

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 Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2014 · Severe Storms And Flooding

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 545 Ardmore Dr 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 797 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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