655 Gardendale St, Ferndale, MI 48220 Property Records

Oakland County property record for 655 Gardendale St, Ferndale, MI 48220

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 935 sqft · built 1942
Lot Size	0.131 acres (5,706 sqft)
Owner	2 Individual Names on File
Last Sale	$191,500 (Aug 2018)
Tax Bill	$5,173 (2025)
Deeds & Mortgages	May 2021 Mortgage Aug 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-25-34-303-069`

Property Details

APN / Parcel Number

Primary APN	`24-25-34-303-069`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	935 sqft Living Area
1st Floor Area	926 sqft
Basement Area	784 sqft
Unfinished Basement	784 sqft
Game Room	Game Room

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1942
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	5,706 sqft (0.131 acres)
Lot Dimensions	104 ft deep x 55 ft wide
Garage Area	367 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	40 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	655 GARDENDALE ST
City	FERNDALE
State	MI
Zip	48220-2487
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI
Legal Description	T1N, R11E, SEC 34 GARDENDALE ASSESSOR'S PLAT NO 1 LOT 310 EXC N 5 FT, ALSO N 7.66 FT OF LOT 311
Legal Range	11E
Legal Township	01N
Legal Section	34
Legal Subdivision	GARDENDALE
Legal Lot Number	310-311
Jurisdiction	OAKLAND MI
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1019
Census Tract	173400

Owner

655 Gardendale St is owned and occupied by two individuals who bought it in August 2018.

Source: Oakland County records, as of July 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	655 GARDENDALE ST, FERNDALE, MI 48220-2487
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
May 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Aug 14, 2018	Warranty Deed, Transfer · Conventional Mortgage SUMMIT FUNDING INC
May 17, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2018 · Amount on File
Deed Sale	Aug 14, 2018 · Amount on File
Prior Sale	Jul 15, 2015 · Amount on File
Deed Document Number	2018134916
Deed Book / Page	52092 / 22
Prior Transfer Date	Jun 5, 1996
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	655 GARDENDALE ST, FERNDALE, MI 48220-2487
Transaction Type	Mortgage
Record Updated	Jun 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 GARDENDALE ST, FERNDALE, MI 48220-2487

Mortgage

Document Number	0000122541
Date	May 10, 2021
Book Page	56212/560
Instrument	122541

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Aug 14, 2018
Property Address	655 GARDENDALE ST, FERNDALE, MI 48220-2487
Document Number	0000134916
Book / Page	52092 / 00022
Map Reference	LB 35 PG 43
Instrument Date	Aug 10, 2018
Instrument	134916
Transaction Type	Transfer
Record Updated	Jun 29, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,646.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8103 FAIRMOUNT AVE, 8103, DOWNERS GROVE, IL 60516-4302

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	655 GARDENDALE ST, FERNDALE, MI 48220-2487

Mortgage

Document Number	0000134917
Date	Aug 14, 2018
Instrument	134917

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAKLAND MI
Recording Date	May 17, 2017
Property Address	655 GARDENDALE ST, FERNDALE, MI 48220-2487
Document Number	0000096567
Book / Page	050674 / 000435
Instrument Date	May 9, 2017
Instrument	96567
Transaction Type	Transfer
Record Updated	Jun 20, 2017
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	Joint Tenants with Right of Survivorship
Address	655 GARDENDALE ST FERNDALE MI 482202487, FERNDALE, MI 48220-2487

Tax Assessment & Valuation

The 2025 property tax bill for 655 Gardendale St was $5,173 with a homeowner's exemption, down 2.9% 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	$5,173.00 (-2.93%) Homeowner's exemption	$128,210	$256,420
2024	$5,329.00
2023		$122,660	$245,320
2021	$5,035.00

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

Flood

FEMA maps place 655 Gardendale 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 655 Gardendale 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 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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