Oakland County property record for 972 Emwill St, Ferndale, MI 48220
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 556 sqft · built 1923 |
| Lot Size | 0.117 acres (5,097 sqft) |
| Owner | Individual Name on File |
| Last Sale | $146,125 (Apr 2021) |
| Tax Bill | $4,420 (2025) |
| Deeds & Mortgages | Apr 2021 Sale & Mortgage May 2018 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-25-33-429-015 |
| Primary APN | 24-25-33-429-015 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 556 sqft Living Area |
| 1st Floor Area | 556 sqft |
| Basement Area | 556 sqft |
| Unfinished Basement | 556 sqft |
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 1923 |
| Architectural Style | Bungalow |
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 5,097 sqft (0.117 acres) |
| Lot Dimensions | 145 ft deep x 35 ft wide |
| Garage Area | 367 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 161 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 972 EMWILL ST |
|---|---|
| City | FERNDALE |
| State | MI |
| Zip | 48220-2342 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RI |
| Legal Description | T1N, R11E, SEC 33 MAPLE RIDGE SUB W 1/2 OF LOT 31 |
| Legal Range | 11E |
| Legal Township | 01N |
| Legal Section | 33 |
| Legal Subdivision | MAPLE RIDGE SUB |
| Legal Lot Number | 31 |
| Jurisdiction | OAKLAND MI |
| Township / Civil Division | FERNDALE |
| Census Block Group | 4 |
| Census Block | 4016 |
| Census Tract | 173400 |
972 Emwill St is owned and occupied by an individual who bought it in April 2021.
Source: Oakland County records, as of October 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 972 EMWILL ST, FERNDALE, MI 48220-2342 |
| 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.
| Date | Document |
|---|---|
| Apr 14, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage J KAMELIA LLC |
| May 2, 2018 | Loan Modification, Mortgage HANTZ BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 14, 2021 · Amount on File |
| Deed Sale | Apr 14, 2021 · Amount on File |
| Prior Sale | May 18, 2010 · Amount on File |
| Deed Document Number | 2021101629 |
| Deed Book / Page | 56069 / 188 |
| Prior Transfer Date | Oct 9, 2014 |
| Prior Transfer Doc | 0000200722 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OAKLAND MI |
| Recording Date | Apr 14, 2021 |
| Property Address | 972 EMWILL ST, FERNDALE, MI 48220-2342 |
| Document Number | 0000101629 |
| Book / Page | 56069 / 188 |
| Map Reference | LB 11 PG 31 |
| Instrument Date | Apr 1, 2021 |
| Instrument | 101629 |
| Transaction Type | Transfer |
| Record Updated | May 19, 2021 |
| Title Company | CHIRCO TITLE AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,259.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13910 SIMONE DR, 13910, SHELBY TOWNSHIP, MI 48315-2965 |
| Name | Verified Name |
|---|---|
| Address | 972 EMWILL ST, FERNDALE, MI 48220-2342 |
| Document Number | 0000101630 |
|---|---|
| Date | Apr 14, 2021 |
| Book Page | 56069/190 |
| Instrument | 101630 |
| Name | J KAMELIA LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | PONTIAC, MI 48342 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 264 Months |
| Due | Apr 1, 2043 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OAKLAND MI |
| Property Address | 972 EMWILL ST, FERNDALE, MI 48220-2342 |
| Document Number | 0000096756 |
| Instrument Date | May 2, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 7, 2018 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2170 CASS LAKE RD #D KEEGO HARBOR MI 483201274, D, KEEGO HARBOR, MI 48320-1274 |
| Document Number | 0000096756 |
|---|---|
| Date | Jun 7, 2018 |
| Book Page | 051885/000764 |
| Instrument | 96756 |
| Name | HANTZ BK |
|---|---|
| Type | Bank |
| Address | 26200 AMERICAN DR, SOUTHFIELD, MI 48034-6173 |
| Amount | Amount on Record |
|---|
The 2025 property tax bill for 972 Emwill St was $4,420 with a homeowner's exemption, down 2.5% from the year before.
Source: Oakland County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oakland County |
| Municipality | Ferndale City |
| Unified School District | Ferndale Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,420.00 (-2.49%) Homeowner's exemption | $81,730 | $163,460 |
| 2024 | $4,533.00 | ||
| 2023 | $72,000 | $144,000 | |
| 2021 | $1,934.00 |
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.
FEMA maps place 972 Emwill 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.
The area around 972 Emwill 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 645 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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