630 Pearson St, Ferndale, MI 48220 Property Records

Oakland County property record for 630 Pearson St, Ferndale, MI 48220

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,370 sqft · built 1995
Lot Size	0.127 acres (5,532 sqft)
Owner	2 Individual Names on File
Last Sale	$351,500 (Feb 2022)
Tax Bill	$9,141 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Mar 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24-25-34-110-035`

Property Details

APN / Parcel Number

Primary APN	`24-25-34-110-035`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,370 sqft Living Area
1st Floor Area	685 sqft
Basement Area	685 sqft
Unfinished Basement	685 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	5,532 sqft (0.127 acres)
Lot Dimensions	122 ft deep x 45 ft wide

Exterior Amenities

Porch	Porch
Porch Area	92 sqft
Deck Area	92 sqft
Patio Area	92 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	630 PEARSON ST
City	FERNDALE
State	MI
Zip	48220-3301
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI
Legal Description	T1N, R11E, SEC 34 ELSINORE SUB LOT 118
Legal Range	11E
Legal Township	01N
Legal Section	34
Legal Subdivision	ELSINORE
Legal Lot Number	118
Jurisdiction	OAKLAND MI
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1008
Census Tract	173400

Owner

630 Pearson St is owned and occupied by two individuals who bought it in February 2022.

Source: Oakland County records, as of July 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	630 PEARSON ST, FERNDALE, MI 48220-3301
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
Feb 26, 2022	Warranty Deed, Transfer · Conventional Mortgage OMEGA LENDING
Mar 17, 2021	Warranty Deed, Transfer CISLO TTL CO TTL INS & ESCRO
Mar 17, 2021	Quit Claim Deed, Transfer Quitclaim
Jan 9, 2017	Loan Modification, Mortgage · Conventional Mortgage HABITAT FOR HUMANITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 26, 2022 · Amount on File
Deed Sale	Feb 26, 2022 · Amount on File
Prior Sale	Mar 17, 2021 · Amount on File
Deed Document Number	2022333429
Deed Book / Page	57523 / 632
Prior Transfer Date	Jan 25, 2021
Prior Transfer Doc	0000068861
Record Updated	Oct 29, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Feb 26, 2022
Property Address	630 PEARSON ST, FERNDALE, MI 48220-3301
Document Number	0000333429
Book / Page	57523 / 632
Map Reference	LB 18 PG 6
Instrument Date	Feb 22, 2022
Instrument	333429
Transaction Type	Transfer
Record Updated	Apr 28, 2022
Title Company	CRISLO TITLE COMPANY, CISLO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,636.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13681 LANCASTER DR, 13681, SHELBY TOWNSHIP, MI 48315-3833

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	630 PEARSON ST, FERNDALE, MI 48220-3301

Mortgage

Document Number	0057523634
Date	Feb 26, 2022
Instrument	57523/634

Lender

Name	OMEGA LENDING
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Mar 17, 2021
Property Address	630 PEARSON ST, FERNDALE, MI 48220-3301
Document Number	0000068862
Book / Page	55893 / 16
Map Reference	LB 18 PG 6
Instrument Date	Feb 12, 2021
Instrument	68862
Transaction Type	Transfer
Record Updated	Jun 29, 2021
Title Company	CISLO TTL CO TTL INS & ESCRO

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	23451 REPUBLIC AVE, 23451, OAK PARK, MI 48237-2348

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	630 PEARSON STREET, SHELBY TOWNSHIP, MI 48315

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	Mar 17, 2021
Property Address	630 PEARSON ST, FERNDALE, MI 48220-3301
Document Number	0000068861
Book / Page	55893 / 15
Map Reference	LB 18 PG 6
Instrument Date	Jan 25, 2021
Instrument	68861
Transaction Type	Transfer
Record Updated	Jun 29, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	23451 REPUBLIC AVE, OAK PARK, MI 48237-2348

January 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OAKLAND MI
Property Address	630 PEARSON ST, FERNDALE, MI 48220-3301
Document Number	0000033244
Instrument Date	Jan 9, 2017
Transaction Type	Mortgage
Record Updated	Mar 19, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	630 PEARSON ST FERNDALE MI 482203301, FERNDALE, MI 48220-3301

Mortgage

Document Number	0000033244
Date	Feb 14, 2020
Book Page	053838/000605
Instrument	33244

Lender

Name	HABITAT FOR HUMANITY

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	84 Months
Due	Feb 13, 2027

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 630 Pearson St was $9,141 with a homeowner's exemption, down 3.6% 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	$9,141.00 (-3.58%) Homeowner's exemption	$189,420	$378,840
2024	$9,480.00
2023		$175,710	$351,420
2021	$4,765.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 630 Pearson St 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

The area around 630 Pearson 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 847 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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