685 Pearson St, Ferndale, MI 48220 Property Records

Oakland County property record for 685 Pearson St, Ferndale, MI 48220

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,380 sqft · built 1926
Lot Size	0.132 acres (5,750 sqft)
Owner	2 Individual Names on Record
Last Sale	$355,000 (Aug 2022)
Tax Bill	$7,880 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Aug 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24-25-34-152-007`

Property Details

APN / Parcel Number

Primary APN	`24-25-34-152-007`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,380 sqft Living Area
1st Floor Area	887 sqft
Basement Area	887 sqft
Unfinished Basement	887 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 2022
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	5,750 sqft (0.132 acres)
Lot Dimensions	122 ft deep x 47 ft wide
Garage Area	231 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	91 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	685 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 TENNYSON PARK SUB LOT 85
Legal Range	11E
Legal Township	01N
Legal Section	34
Legal Subdivision	TENNYSON PARK SUB
Legal Lot Number	85
Jurisdiction	OAKLAND MI
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1011
Census Tract	173400

Owner

Source: Oakland County records, as of May 27, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	685 PEARSON ST, FERNDALE, MI 48220-3302
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2022	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN MORTGAGE CO INC
Aug 1, 2022	Warranty Deed, Transfer
Apr 7, 2022	Deed of Trust, Mortgage ROCKET MORTGAGE LLC
Jun 30, 2020	Warranty Deed, Transfer · Conventional with PMI MORTGAGE 1 AT SUBURBAN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2022 · Amount on Record
Deed Sale	Aug 1, 2022 · Amount on Record
Prior Sale	Jun 30, 2020 · Amount on Record
Deed Document Number	2022423448
Deed Book / Page	57999 / 711
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	685 PEARSON ST, FERNDALE, MI 48220-3302
Transaction Type	Mortgage
Record Updated	Jan 19, 2023
Title Company	CISLO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1500 MOHAWK AVE, ROYAL OAK, MI 48067-3334

Mortgage

Document Number	0000435374
Date	Aug 25, 2022
Book Page	58065/67
Instrument	435374

Lender

Name	GUARDIAN MORTGAGE CO INC
Type	Mortgage Company
Address	RICHARDSON, TX 75083

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Aug 1, 2022
Property Address	685 PEARSON ST, FERNDALE, MI 48220-3302
Document Number	0000423448
Book / Page	57999 / 711
Map Reference	LB 13 PG 23
Instrument Date	Jul 20, 2022
Instrument	423448
Transaction Type	Transfer
Record Updated	Sep 14, 2022

Transaction

Amount	Amount Recorded
Tax	$2,662.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	685 PEARSON ST, 685, FERNDALE, MI 48220-3302

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	685 PEARSON ST, FERNDALE, MI 48220-3302

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	685 PEARSON ST, FERNDALE, MI 48220-3302
Transaction Type	Mortgage
Record Updated	Jun 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	685 PEARSON ST, FERNDALE, MI 48220-3302

Mortgage

Document Number	0000363302
Date	Apr 7, 2022
Book Page	57666/214
Instrument	363302

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Jun 30, 2020
Property Address	685 PEARSON ST, FERNDALE, MI 48220-3302
Document Number	0000126780
Book / Page	054424 / 000241
Instrument Date	Jun 24, 2020
Instrument	126780
Transaction Type	Transfer
Record Updated	Jul 30, 2020
Title Company	GREATER MACOMB TITLE AGENCY, GREATER MACOMB TITLE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,805.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	685 PEARSON ST FERNDALE MI 482203302, FERNDALE, MI 48220-3302

Mortgage

Document Number	126781
Date	Jun 30, 2020
Book Page	054424/000243
Instrument	126781

Lender

Name	MORTGAGE 1 AT SUBURBAN
Type	Mortgage Company
Address	STERLING HEIGHTS, MI 48314

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 29, 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	$7,880.00 (-3.13%) Homeowner's exemption	$162,660 (+8.26%)	$325,320 (+8.26%)
2024	$8,135.00 (+32.82%)
2023		$150,250	$300,500
2021	$6,125.00

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	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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