1040 Cliff Dr, Lapeer, MI 48446 Property Records

Lapeer County property record for 1040 Cliff Dr, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,348 sqft · built 1947
Lot Size	1.03 acres (44,997 sqft)
Owner	Individual Name on Record
Last Sale	$145,600 (Jul 2017)
Tax Bill	$1,627 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`012-200-029-00`

Property Details

APN / Parcel Number

Primary APN	`012-200-029-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,348 sqft Living Area
1st Floor Area	1,348 sqft
Basement Area	1,348 sqft
Unfinished Basement	1,348 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Lot Area	44,997 sqft (1.03 acres)
Lot Dimensions	300 ft deep x 150 ft wide
Garage Area	325 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1040 CLIFF DR
City	LAPEER
State	MI
Zip	48446-3021
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1B
Legal Description	SEC 8 T7N R10E CHURCHILL FARMS SUBDIVISION LOT 29.
Legal Range	10E
Legal Township	07N
Legal Section	08
Legal Subdivision	CHURCHILL FARMS SUBDIVISION
Legal Lot Number	29
Jurisdiction	LAPEER MI
Township / Civil Division	LAPEER
Census Block Group	1
Census Block	1015
Census Tract	338000

Owner

Source: Lapeer County records, as of September 24, 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	1040 CLIFF DR, LAPEER, MI 48446-3021
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 20, 2021	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Jul 3, 2017	Warranty Deed, Transfer · VA Mortgage CASON HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 3, 2017 · Amount on Record
Deed Sale	Jul 3, 2017 · Amount on Record
Prior Sale	Jun 28, 2001 · Amount on Record
Deed Book / Page	2903 / 218
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Recording Date	Aug 21, 2026
Property Address	1040 CLIFF DR, LAPEER, MI 48446-3021
Document Number	3539000623
Book / Page	3539 / 623
Instrument Date	Aug 17, 2026
Transaction Type	Mortgage
Record Updated	Sep 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 CLIFF DR, LAPEER, MI 48446-3021

Mortgage

Document Number	3539000623,
Date	Aug 21, 2026
Book Page	3539/623

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2046

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	1040 CLIFF DR, LAPEER, MI 48446-3021
Transaction Type	Mortgage
Record Updated	Nov 25, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 CLIFF DR, LAPEER, MI 48446-3021

Mortgage

Document Number	0032460175
Date	Oct 20, 2021
Book Page	3246/175

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Jul 3, 2017
Property Address	1040 CLIFF DR, LAPEER, MI 48446-3021
Document Number	0029030218
Book / Page	002903 / 000218
Instrument Date	Jun 29, 2017
Transaction Type	Transfer
Record Updated	Aug 23, 2018
Title Company	CISCO TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,092.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1583 S LAPEER RD LAPEER MI 484469441, LAPEER, MI 48446-9441

Mortgage

Document Number	29030220
Date	Jul 3, 2017
Book Page	002903/000220

Lender

Name	CASON HM LNS
Address	PALM BEACH GARDENS, FL 33418

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 2, 2047

Tax Assessment & Valuation

Source: Lapeer County assessment roll, as of September 24, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Lapeer County
County Subdivision	Lapeer Township
Unified School District	Lapeer Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$92,800 (-26.23%)	$185,600 (-26.23%)
2025	$1,627.00 (+14.5%) Homeowner's exemption	$125,800 (+8.08%)	$251,600 (+8.08%)
2023		$116,400	$232,800
2022	$1,421.00

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 May 4, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 93% of the US · lower than 83% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	CITY OF LAPEER serves 9,023 people · EPA ID MI0003780
Water Source	Purchased surface water from GREAT LAKES WATER AUTHORITY
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jan 2023
Monitoring and Reporting	11 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 406 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Xfinity.

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