636 E Drayton St, Ferndale, MI 48220 Property Records

Oakland County property record for 636 E Drayton St, Ferndale, MI 48220

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 915 sqft · built 1922
Lot Size	0.104 acres (4,530 sqft)
Owner	Individual Name on Record
Last Sale	$94,000 (Jan 2005)
Tax Bill	$1,984 (2025)
Deeds & Mortgages	Oct 2021 Mortgage May 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24-25-27-402-017`

Property Details

APN / Parcel Number

Primary APN	`24-25-27-402-017`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	915 sqft Living Area
1st Floor Area	915 sqft
Basement Area	414 sqft
Unfinished Basement	414 sqft

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1990
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	4,530 sqft (0.104 acres)
Lot Dimensions	129 ft deep x 35 ft wide
Deck Area	88 sqft
Patio Area	294 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	636 E DRAYTON ST
City	FERNDALE
State	MI
Zip	48220-1395
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 286, 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	286
Jurisdiction	OAKLAND MI
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1007
Census Tract	173100

Owner

Source: Oakland County records, as of July 2, 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	636 E DRAYTON ST, FERNDALE, MI 48220-1395
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 15, 2019	Deed of Trust, Mortgage · FHA Mortgage SYNERGY ONE LENDING
Nov 27, 2018	Deed of Trust, Mortgage · FHA Mortgage STEARNS LENDING LLC
Jan 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage HALL FINANCIAL GROUP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 5, 2005 · Amount on Record
Deed Sale	Jan 5, 2005 · Amount on Record
Deed Document Number	20054072
Deed Book / Page	34715 / 743
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	636 E DRAYTON ST, FERNDALE, MI 48220-1395
Transaction Type	Mortgage
Record Updated	Dec 14, 2021
Title Company	EQUITY TITLE COMPANY, EQUITY TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	636 E DRAYTON ST, FERNDALE, MI 48220-1395

Mortgage

Document Number	0000241913
Date	Oct 11, 2021
Book Page	56981/412
Instrument	241913

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	636 E DRAYTON ST, FERNDALE, MI 48220-1395
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000075094
Date	May 15, 2019
Book Page	52828/00889
Instrument	75094

Lender

Name	SYNERGY ONE LENDING
Type	Lending Institution
Address	LOMBARD, IL 60148

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	636 E DRAYTON ST, FERNDALE, MI 48220-1395
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000191028
Date	Nov 27, 2018
Book Page	52384/00796
Instrument	191028

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company
Address	SANTA ANA, CA 92707

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Sep 1, 2048

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	636 E DRAYTON ST, FERNDALE, MI 48220-1395
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019273
Date	Jan 24, 2020
Book Page	53761/00783
Instrument	19273

Lender

Name	HALL FINANCIAL GROUP
Type	Non-Lending Institution
Address	TROY, MI 48084

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

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	$1,984.00 (-1.54%) Homeowner's exemption	$95,870 (+17.3%)	$191,740 (+17.3%)
2024	$2,015.00 (+13.65%)
2023		$81,730	$163,460
2021	$1,773.00

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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