643 Hancock Ct, Ferndale, MI 48220 Property Records

Oakland County property record for 643 Hancock Ct, Ferndale, MI 48220

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 828 sqft · built 1921
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$236,000 (Apr 2023)
Tax Bill	$5,933 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Dec 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`24-25-34-330-001`

Property Details

APN / Parcel Number

Primary APN	`24-25-34-330-001`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	828 sqft Living Area
1st Floor Area	828 sqft
Basement Area	828 sqft
Unfinished Basement	828 sqft

Exterior

Year Built	Built 1921
Effective Year Built	Effective 2023
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	120 ft deep x 61 ft wide
Porch	Slab
Porch Area	145 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	643 HANCOCK CT
City	FERNDALE
State	MI
Zip	48220-2415
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI
Legal Description	T1N, R11E, SEC 34 THE NORTHERN MICH SUB LOT 15 & ALL OF VAC FAIRFIELD AVE ADJ TO SAME
Legal Range	11E
Legal Township	01N
Legal Section	34
Legal Subdivision	THE NORTHERN MICH SUB
Legal Lot Number	15
Jurisdiction	OAKLAND MI
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2011
Census Tract	173400

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	643 HANCOCK CT, FERNDALE, MI 48220-2415
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 5, 2022	Warranty Deed, Transfer PARKS TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 12, 2023 · Amount on Record
Deed Sale	Apr 12, 2023 · Amount on Record
Prior Sale	Dec 5, 2022 · Amount on Record
Deed Document Number	202340745
Deed Book / Page	58537 / 816
Record Updated	Oct 29, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Apr 12, 2023
Property Address	643 HANCOCK CT, FERNDALE, MI 48220-2415
Document Number	0000040745
Book / Page	58537 / 816
Map Reference	LB 26 PG 27
Instrument Date	Apr 7, 2023
Instrument	40745
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	PARK TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,770.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	31 OAKLAND PARK BLVD, PLEASANT RIDGE, MI 48069-1110

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24788 RENSSELAER ST, OAK PARK, MI 48237-1770

Mortgage

Document Number	0000045790
Date	Apr 25, 2023
Book Page	58563/713
Instrument	45790

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Dec 5, 2022
Property Address	643 HANCOCK CT, FERNDALE, MI 48220-2415
Document Number	0000477881
Book / Page	58294 / 832
Map Reference	LB 26 PG 27
Instrument Date	Nov 29, 2022
Instrument	477881
Transaction Type	Transfer
Record Updated	Dec 16, 2022
Title Company	PARKS TITLE

Transaction

Amount	Amount Recorded
Tax	$825.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	643 HANCOCK CT, FERNDALE, MI 48220-2415

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 OAKLAND PARK BLVD, PLEASANT RIDGE, MI 48069-1110

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	$5,933.00 (-3.01%) Homeowner's exemption	$129,560 (+36.15%)	$259,120 (+36.15%)
2024	$6,117.00 (+236.28%)
2023		$95,160	$190,320
2021	$1,819.00

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

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	Low lower than 98% of the US · lower than 95% 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.

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