986 Alberta St, Ferndale, MI 48220 Property Records

Oakland County property record for 986 Alberta St, Ferndale, MI 48220

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 984 sqft · built 1926
Lot Size	0.117 acres (5,097 sqft)
Owner	Individual Name on File
Last Sale	$75,000 (Apr 1997)
Tax Bill	$4,401 (2025)
Deeds & Mortgages	Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-25-33-427-001`

Property Details

APN / Parcel Number

Primary APN	`24-25-33-427-001`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	984 sqft Living Area
1st Floor Area	787 sqft
Basement Area	787 sqft
Unfinished Basement	787 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1995
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	5,097 sqft (0.117 acres)
Lot Dimensions	145 ft deep x 35 ft wide
Porch	Slab
Porch Area	167 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	986 ALBERTA ST
City	FERNDALE
State	MI
Zip	48220-1627
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 62
Legal Range	11E
Legal Township	01N
Legal Section	33
Legal Subdivision	MAPLE RIDGE SUB
Legal Lot Number	62
Jurisdiction	OAKLAND MI
Township / Civil Division	FERNDALE
Census Block Group	4
Census Block	4015
Census Tract	173400

Owner

986 Alberta St is owned and occupied by an individual who acquired it in January 2002.

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	Individual Name on File
Mailing Address	986 ALBERTA ST, FERNDALE, MI 48220-1627
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 1997 · Amount on File
Deed Sale	Apr 30, 1997 · Amount on File
Last Transfer Date	Jan 8, 2002
Record Updated	Sep 20, 2026

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Apr 27, 2017
Property Address	986 ALBERTA ST, FERNDALE, MI 48220-1627
Document Number	0000085037
Book / Page	050613 / 000401
Instrument Date	Apr 21, 2017
Instrument	85037
Transaction Type	Transfer
Record Updated	Jul 7, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,548.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31220 FINK AVE FARMINGTON HILLS MI 48336, FARMINGTON HILLS, MI 48336

Mortgage

Document Number	85038
Date	Apr 27, 2017
Book Page	050613/000403
Instrument	85038

Lender

Name	DFCU FIN'L
Type	Funding / Finance Company
Address	DEARBORN, MI 48126

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 26, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 986 Alberta St was $4,401 with a homeowner's exemption, down 2.8% 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	$4,401.00 (-2.83%) Homeowner's exemption	$111,710	$223,420
2024	$4,529.00
2023		$103,970	$207,940
2021	$4,277.00

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

Flood

FEMA maps place 986 Alberta 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 986 Alberta 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 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