862 W Drayton St, Ferndale, MI 48220 Property Records

Oakland County property record for 862 W Drayton St, Ferndale, MI 48220

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,094 sqft · built 1953
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on Record
Tax Bill	$3,601 (2025)
Deeds & Mortgages	Oct 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`24-25-28-402-037`

Property Details

APN / Parcel Number

Primary APN	`24-25-28-402-037`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,094 sqft Living Area
1st Floor Area	890 sqft
Basement Area	890 sqft
Finished Basement	890 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	120 ft deep x 40 ft wide
Garage Area	326 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	101 sqft
Deck Area	226 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	862 W DRAYTON ST
City	FERNDALE
State	MI
Zip	48220-2731
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RI
Legal Description	T1N, R11E, SEC 28 ASSESSOR'S REPLAT OF THAT PART OF LOTS 1 TO 11, 15 & OUTLOT B SOUTH OF THE E & W LINE & ALL OF LOTS 16 TO 30, 33 TO 36 & OUTLOT A OF LA BELLE HEIGHTS SUB'N LOT 65 3-24-11 CORR
Legal Range	11E
Legal Township	01N
Legal Section	28
Legal Subdivision	LA BELLE HEIGHTS SUB
Legal Lot Number	B
Jurisdiction	OAKLAND MI
Township / Civil Division	FERNDALE
Census Block Group	3
Census Block	3002
Census Tract	173200

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	862 W DRAYTON ST, FERNDALE, MI 48220-2731
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	862 W DRAYTON ST, FERNDALE, MI 48220-2731
Document Number	0000179656
Instrument Date	Oct 22, 2018
Transaction Type	Mortgage
Record Updated	Nov 30, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	862 W DRAYTON ST FERNDALE MI 482202731, FERNDALE, MI 48220-2731

Mortgage

Document Number	0000179656
Date	Nov 2, 2018
Book Page	052326/000766
Instrument	179656

Lender

Name	MICHIGAN SCHOOLS & GOV'T CU
Type	Credit Union
Address	CLINTON TWP, MI 48038-4004

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Nov 1, 2043

Interest

Rate Type	Adjustable Rate

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	$3,601.00 (-2.68%) Homeowner's exemption	$118,180 (+8.74%)	$236,360 (+8.74%)
2024	$3,700.00 (+5.99%)
2023		$108,680	$217,360
2021	$3,491.00

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	Low lower than 99.1% of the US · lower than 98.4% 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 788 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: WOW Internet, Cable & Phone.

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