649 Pearson St, Ferndale, MI 48220 Property Records

Oakland County property record for 649 Pearson St, Ferndale, MI 48220

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 999 sqft · built 1952
Lot Size	0.131 acres (5,706 sqft)
Owner	Individual Name on File
Last Sale	$65,501 (Jul 2012)
Tax Bill	$3,525 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-25-34-152-011`

Property Details

APN / Parcel Number

Primary APN	`24-25-34-152-011`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	999 sqft Living Area
1st Floor Area	980 sqft
Basement Area	884 sqft
Finished Basement	884 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Foundation Type	No Foundation
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	5,706 sqft (0.131 acres)
Lot Dimensions	122 ft deep x 46 ft wide
Garage Area	596 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	28 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	649 PEARSON ST
City	FERNDALE
State	MI
Zip	48220-3302
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI
Legal Description	T1N, R11E, SEC 34 ELSINORE SUB LOT 141
Legal Range	11E
Legal Township	01N
Legal Section	34
Legal Subdivision	ELSINORE
Legal Lot Number	141
Jurisdiction	OAKLAND MI
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1011
Census Tract	173400

Owner

Source: Oakland County assessment roll, as of January 21, 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 File
Mailing Address	649 PEARSON ST, FERNDALE, MI 48220-3302
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Oct 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage ROSS MORTGAGE CORP
Aug 18, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 2, 2012 · Amount on Record
Deed Sale	Jul 2, 2012 · Amount on Record
Prior Sale	Jun 17, 2011 · Amount on Record
Deed Document Number	2012142365
Deed Book / Page	44369 / 506
Prior Transfer Date	Jun 16, 2011
Prior Transfer Doc	0000122137
Record Updated	Sep 20, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	649 PEARSON ST, FERNDALE, MI 48220-3302
Transaction Type	Mortgage
Record Updated	Feb 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	649 PEARSON ST, FERNDALE, MI 48220-3302

Mortgage

Document Number	0000015626
Date	Feb 16, 2023
Book Page	58426/195
Instrument	15626

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Jan 17, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	649 PEARSON ST, FERNDALE, MI 48220-3302
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000179894
Date	Oct 29, 2019
Book Page	53436/00128
Instrument	179894

Lender

Name	ROSS MORTGAGE CORP
Type	Mortgage Company
Address	TROY, MI 48084

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	Aug 18, 2020
Property Address	649 PEARSON ST, FERNDALE, MI 48220-3302
Document Number	0000164294
Book / Page	054676 / 000150
Instrument Date	Jul 31, 2020
Instrument	164294
Transaction Type	Transfer
Record Updated	Sep 10, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	649 PEARSON ST FERNDALE MI 482203302, FERNDALE, MI 48220-3302

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	$3,525.00 (-2.65%) Homeowner's exemption	$145,910 (+13.49%)	$291,820 (+13.49%)
2024	$3,621.00 (+6.47%)
2023		$128,570	$257,140
2021	$3,401.00

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

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 USA.

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