581 Allen St, Ferndale, MI 48220 Property Records

Oakland County property record for 581 Allen St, Ferndale, MI 48220

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 919 sqft · built 1940
Lot Size	0.107 acres (4,661 sqft)
Owner	Individual Name on File
Last Sale	$170,000 (Nov 2016)
Tax Bill	$6,292 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-25-34-305-058`

Property Details

APN / Parcel Number

Primary APN	`24-25-34-305-058`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	919 sqft Living Area
1st Floor Area	728 sqft
Basement Area	728 sqft
Unfinished Basement	728 sqft
Game Room	Game Room

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	4,661 sqft (0.107 acres)
Lot Dimensions	104 ft deep x 45 ft wide
Garage Area	249 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	126 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	581 ALLEN ST
City	FERNDALE
State	MI
Zip	48220-2444
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI
Legal Description	T1N, R11E, SEC 34 GARDENDALE ASSESSOR'S PLAT NO 1 LOT 471
Legal Range	11E
Legal Township	01N
Legal Section	34
Legal Subdivision	GARDENDALE
Legal Lot Number	471
Jurisdiction	OAKLAND MI
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1017
Census Tract	173400

Owner

Source: Oakland County assessment roll, as of January 21, 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 File
Mailing Address	581 ALLEN ST, FERNDALE, MI 48220-2444
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNIVERSITY LENDING GROUP LLC
Jul 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage CASON HM LNS

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 21, 2016 · Amount on Record
Deed Sale	Nov 21, 2016 · Amount on Record
Deed Document Number	2016222299
Deed Book / Page	50093 / 880
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	581 ALLEN ST, FERNDALE, MI 48220-2444
Transaction Type	Mortgage
Record Updated	Jul 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1321 ORLEANS ST 1901, 1901, DETROIT, MI 48207-3197

Mortgage

Document Number	0000168044
Date	Jul 2, 2021
Book Page	56500/515
Instrument	168044

Lender

Name	UNIVERSITY LENDING GROUP LLC
Type	Mortgage Company
Address	SOUTHFIELD, MI 48034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	581 ALLEN ST, FERNDALE, MI 48220-2444
Document Number	0000154681
Instrument Date	Jul 17, 2020
Transaction Type	Mortgage
Record Updated	Sep 2, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	581 ALLEN ST FERNDALE MI 482202444, FERNDALE, MI 48220-2444

Mortgage

Document Number	0000154681
Date	Aug 6, 2020
Book Page	054614/000286
Instrument	154681

Lender

Name	CASON HM LNS
Type	Funding / Finance Company
Address	PALM BEACH GARDENS, FL 33408

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 5, 2035

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	$6,292.00 (-4.65%) Homeowner's exemption	$128,920 (+3.47%)	$257,840 (+3.47%)
2024	$6,599.00 (+55.71%)
2023		$124,600	$249,200
2021	$4,238.00

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

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 728 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile USA.

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