648 Pearson St, Ferndale, MI 48220 Property Records

Oakland County property record for 648 Pearson St, Ferndale, MI 48220

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,325 sqft · built 1926
Lot Size	0.138 acres (6,011 sqft)
Owner	2 Individual Names on File
Last Sale	$230,000 (Dec 2022)
Tax Bill	$7,397 (2025)
Deeds & Mortgages	Dec 2022 Mortgage Dec 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-25-34-110-033`

Property Details

APN / Parcel Number

Primary APN	`24-25-34-110-033`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,325 sqft Living Area
1st Floor Area	760 sqft
Basement Area	715 sqft
Unfinished Basement	715 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 2023
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,011 sqft (0.138 acres)
Lot Dimensions	122 ft deep x 49 ft wide
Garage Area	446 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	128 sqft
Deck Area	231 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	648 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 116 & W 2.0 FT OF LOT 117
Legal Range	11E
Legal Township	01N
Legal Section	34
Legal Subdivision	ELSINORE
Legal Lot Number	116-117
Jurisdiction	OAKLAND MI
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1008
Census Tract	173400

Owner

648 Pearson St is owned and occupied by two individuals who bought it in December 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	648 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
Dec 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage GENISYS CU
Dec 19, 2022	Warranty Deed, Transfer TITLE SENSE INC, TITLE ONE INC
Jan 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 2022 · Amount on File
Deed Sale	Dec 19, 2022 · Amount on File
Deed Document Number	2022484023
Deed Book / Page	58326 / 140
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	648 PEARSON ST, FERNDALE, MI 48220-3301
Transaction Type	Mortgage
Record Updated	Jan 19, 2023
Title Company	EQUITY TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 PEARSON ST, FERNDALE, MI 48220-3301

Mortgage

Document Number	0000479370
Date	Dec 7, 2022
Book Page	58302/99
Instrument	479370

Lender

Name	GENISYS CU
Type	Credit Union
Address	AUBURN HILLS, MI 48326

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Dec 19, 2022
Property Address	648 PEARSON ST, FERNDALE, MI 48220-3301
Document Number	0000484023
Book / Page	58326 / 140
Map Reference	LB 18 PG 6
Instrument Date	Dec 2, 2022
Instrument	484023
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	TITLE SENSE INC, TITLE ONE INC

Transaction

Amount	Amount on Record
Tax	$1,725.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	648 PEARSON ST, FERNDALE, MI 48220-3301

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 PEARSON ST, FERNDALE, MI 48220-3301

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	648 PEARSON ST, FERNDALE, MI 48220-3301
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009903
Date	Jan 18, 2019
Book Page	52520/00874
Instrument	009903

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2039

Tax Assessment & Valuation

The 2025 property tax bill for 648 Pearson St was $7,397 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	$7,397.00 (-3.1%) Homeowner's exemption	$164,150	$328,300
2024	$7,634.00
2023		$140,770	$281,540
2021	$3,140.00

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

Flood

FEMA maps place 648 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 648 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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