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923 Gardendale St, Ferndale, MI 48220 Property Records

Oakland County property record for 923 Gardendale St, Ferndale, MI 48220

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 867 sqft · built 1947
Lot Size0.1 acres (4,356 sqft)
Owner2 Individual Names on Record
Last Sale$375,000 (Jul 2026)
Tax Bill$3,108 (2025)
Deeds & MortgagesJun 2026 Mortgage
Jul 2026 Sale
Flood ZoneZone X (minimal risk)
APN24-25-34-156-019

Property Details

APN / Parcel Number

Primary APN24-25-34-156-019

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms4 Rooms
Stories1 Story
Building Area867 sqft Living Area
1st Floor Area867 sqft
Basement Area867 sqft
Unfinished Basement867 sqft

Exterior

Year BuiltBuilt 1947
Effective Year BuiltEffective 1947
Architectural StyleBungalow
Exterior MaterialAluminum/Vinyl
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area4,356 sqft (0.1 acres)
Lot Dimensions96 ft deep x 45 ft wide
Garage Area315 sqft
Parking Spaces1 Parking Space
PorchSlab
Porch Area61 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas
SewerMunicipal

Location & Zoning

Street Address923 GARDENDALE ST
CityFERNDALE
StateMI
Zip48220-2404
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRI
Legal DescriptionT1N, R11E, SEC 34 GARDENDALE ASSESSOR'S PLAT NO 1 LOTS 599 & 600 EXC S 50 FT OF EACH
Legal Range11E
Legal Township01N
Legal Section34
Legal SubdivisionGARDENDALE
Legal Lot Number599-600
JurisdictionOAKLAND MI
Township / Civil DivisionFERNDALE
Census Block Group1
Census Block1015
Census Tract173400

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address2820 OLIVER RD, ROYAL OAK, MI 48073-3132
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 15, 2026Deed of Trust, Mortgage · Conventional Mortgage
MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION
Jul 24, 2026Warranty Deed, Transfer
ATA NATIONAL TITLE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 24, 2026 · Amount on Record
Deed SaleJul 24, 2026 · Amount on Record
Prior SaleSep 10, 2025 · Amount on Record
Deed Document Number2026110960
Deed Book / Page61400 / 52
Prior Transfer DateNov 19, 2020
Prior Transfer Doc0000083715
Record UpdatedOct 29, 2026

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOAKLAND MI
Recording DateJun 15, 2026
Property Address923 GARDENDALE ST, FERNDALE, MI 48220-2404
Document Number20260084170
Book / Page61288 / 673
Instrument DateJun 8, 2026
Instrument202684170
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address2820 OLIVER RD, ROYAL OAK, MI 48073-3132

Mortgage

Document Number0000084170,
DateJun 15, 2026
Book Page61288/673
Instrument202684170
Lender
NameMICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJul 1, 2056
Interest
Rate TypeFixed Rate
Rate6.37%
Initial TypeFixed Rate
Max Rate-1%

July 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOAKLAND MI
Recording DateJul 24, 2026
Property Address923 GARDENDALE ST, FERNDALE, MI 48220-2404
Document Number0000110960
Book / Page61400 / 52
Instrument DateJun 8, 2026
Instrument2026110960
Transaction TypeTransfer
Record UpdatedAug 4, 2026
Title CompanyATA NATIONAL TITLE

Transaction

AmountAmount Recorded
Tax$284,062.50
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2820 OLIVER RD, ROYAL OAK, MI 48073-3132

Tax Assessment & Valuation

Source: Oakland County assessment roll, as of January 21, 2026

Property Jurisdictions

TypeName
StateMichigan
CountyOakland County
MunicipalityFerndale City
Unified School DistrictFerndale Public Schools (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,108.00 (-0.86%)$104,070 (+7.17%)$208,140 (+7.17%)
2024$3,135.00 (+8.03%)
2023$97,110$194,220
2021$2,902.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskNot 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 SystemFERNDALE
serves 22,105 people · EPA ID MI0002280
Water SourcePurchased surface water from GREAT LAKES WATER AUTHORITY
Last State InspectionMay 2021
Lead9 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureLead public education
Nov 2020
Monitoring and Reporting2
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

ProviderMax 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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