628 Hancock Ct, Ferndale, MI 48220 Property Records

Oakland County property record for 628 Hancock Ct, Ferndale, MI 48220

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,362 sqft · built 1921
Lot Size	0.101 acres (4,400 sqft)
Owner	Individual Name on File
Last Sale	$233,200 (Apr 2019)
Tax Bill	$6,808 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-25-34-329-019`

Property Details

APN / Parcel Number

Primary APN	`24-25-34-329-019`

Interior

Bedrooms	4 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	1,362 sqft Living Area
1st Floor Area	830 sqft
Basement Area	830 sqft
Unfinished Basement	830 sqft

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1921
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	4,400 sqft (0.101 acres)
Lot Dimensions	120 ft deep x 36 ft wide
Garage Area	289 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	157 sqft
Deck Area	177 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	628 HANCOCK CT
City	FERNDALE
State	MI
Zip	48220-2408
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI
Legal Description	T1N, R11E, SEC 34 THE NORTHERN MICH SUB LOT 18
Legal Range	11E
Legal Township	01N
Legal Section	34
Legal Subdivision	THE NORTHERN MICH SUB
Legal Lot Number	18
Jurisdiction	OAKLAND MI
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2011
Census Tract	173400

Owner

628 Hancock Ct 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	628 HANCOCK CT, FERNDALE, MI 48220-2408
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
Sep 28, 2021	Deed of Trust, Mortgage ROCKET MORTGAGE LLC
Apr 12, 2019	Warranty Deed, Transfer · ARM THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 12, 2019 · Amount on File
Deed Sale	Apr 12, 2019 · Amount on File
Prior Sale	Sep 27, 2016 · Amount on File
Deed Document Number	201957901
Deed Book / Page	52731 / 616
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	628 HANCOCK CT, FERNDALE, MI 48220-2408
Transaction Type	Mortgage
Record Updated	Oct 18, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	628 HANCOCK CT, FERNDALE, MI 48220-2408

Mortgage

Document Number	0000231168
Date	Sep 28, 2021
Book Page	56913/848
Instrument	231168

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Apr 12, 2019
Property Address	628 HANCOCK CT, FERNDALE, MI 48220-2408
Document Number	0000057901
Book / Page	52731 / 00616
Map Reference	LB 26 PG 27
Instrument Date	Apr 5, 2019
Instrument	57901
Transaction Type	Transfer
Record Updated	Jun 29, 2021
Title Company	TITLE ONE INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,008.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	628 HANCOCK CT, 628, FERNDALE, MI 48220-2408

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	628 HANCOCK CT, FERNDALE, MI 48220-2408
Investor	Possibly a Property Investor

Mortgage

Document Number	0000057902
Date	Apr 12, 2019
Instrument	57902

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.07%
Type Change Date	May 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.07%
Index	1-Year LIBOR
Max Rate	9.07%

Tax Assessment & Valuation

The 2025 property tax bill for 628 Hancock Ct was $6,808 with a homeowner's exemption, down 3.1% 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	$6,808.00 (-3.08%) Homeowner's exemption	$144,800	$289,600
2024	$7,024.00
2023		$142,910	$285,820
2021	$6,641.00

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

Flood

FEMA maps place 628 Hancock Ct 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

Wildfire risk around 628 Hancock Ct is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.4% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 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.

Nearby Properties on Hancock Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures