546 E Drayton St, Ferndale, MI 48220 Property Records

Oakland County property record for 546 E Drayton St, Ferndale, MI 48220

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 892 sqft · built 1979
Lot Size	0.104 acres (4,530 sqft)
Owner	Individual Name on Record
Last Sale	$177,000 (Apr 2020)
Tax Bill	$5,895 (2025)
Deeds & Mortgages	Sep 2017 Mortgage Sep 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-25-27-402-007`

Property Details

APN / Parcel Number

Primary APN	`24-25-27-402-007`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	892 sqft Living Area
1st Floor Area	892 sqft
Basement Area	892 sqft
Unfinished Basement	892 sqft
Game Room	Game Room

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	4,530 sqft (0.104 acres)
Lot Dimensions	129 ft deep x 35 ft wide
Porch	Slab
Porch Area	24 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	546 E DRAYTON ST
City	FERNDALE
State	MI
Zip	48220-1329
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI
Legal Description	T1N, R11E, SEC 27 WOODWARD HTS SUB NO 2 LOT 299, ALSO 1/2 OF VAC ALLEY ADJ TO SAME
Legal Range	11E
Legal Township	01N
Legal Section	27
Legal Subdivision	WOODWARD HTS SUB
Legal Lot Number	299
Jurisdiction	OAKLAND MI
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1007
Census Tract	173100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	546 E DRAYTON ST, FERNDALE, MI 48220-1329
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST INDEPENDENT BANK
Sep 18, 2017	Deed of Trust, Mortgage · Commercial Mortgage FIRST INDEPENDENCE BANK
Apr 30, 2020	Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2020 · Amount on Record
Deed Sale	Apr 30, 2020 · Amount on Record
Prior Sale	Apr 22, 2014 · Amount on Record
Deed Document Number	202085795
Deed Book / Page	54149 / 841
Record Updated	Sep 20, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	546 E DRAYTON ST, FERNDALE, MI 48220-1329
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000173118
Date	Sep 18, 2017
Book Page	51082/00011
Instrument	173118

Lender

Name	FIRST INDEPENDENT BANK
Type	Bank
Address	CLINTON TOWNSHIP, MI 48038

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2047

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	546 E DRAYTON ST, FERNDALE, MI 48220-1329
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000173119
Date	Sep 18, 2017
Book Page	51082/00026
Instrument	173119

Lender

Name	FIRST INDEPENDENCE BANK
Type	Bank
Address	CLINTON TOWNSHIP, MI 48038

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	83 Months
Due	Aug 11, 2024

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Apr 30, 2020
Property Address	546 E DRAYTON ST, FERNDALE, MI 48220-1329
Document Number	0000085795
Book / Page	054149 / 000841
Instrument Date	Apr 24, 2020
Instrument	85795
Transaction Type	Transfer
Record Updated	May 21, 2020
Title Company	PARKS TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,522.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	524 E SARATOGA ST FERNDALE MI 482202825, FERNDALE, MI 48220-2825

Mortgage

Document Number	85270
Date	Apr 30, 2020
Book Page	054146/000249
Instrument	85270

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 29, 2050

Mortgage

Document Number	85271,
Date	Apr 30, 2020
Book Page	054146/000264
Instrument	85271

Lender

Name	MICHIGAN ST HSNG DEV AUTH
Address	LANSING, MI 48912

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

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	$5,895.00 (-2.99%) Homeowner's exemption	$129,460 (+10.38%)	$258,920 (+10.38%)
2024	$6,077.00 (+5.8%)
2023		$117,290	$234,580
2021	$5,744.00

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

Flood

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

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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