1060 Cliff Dr, Lapeer, MI 48446 Property Records

Lapeer County property record for 1060 Cliff Dr, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,114 sqft · built 1970
Lot Size	1.03 acres (44,997 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Dec 2023)
Tax Bill	$3,905 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`012-200-028-00`

Property Details

APN / Parcel Number

Primary APN	`012-200-028-00`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	2,114 sqft Living Area
1st Floor Area	1,250 sqft
Basement Area	820 sqft
Unfinished Basement	820 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Lot Area	44,997 sqft (1.03 acres)
Lot Dimensions	300 ft deep x 150 ft wide
Garage Area	720 sqft

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	1060 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 28.
Legal Range	10E
Legal Township	07N
Legal Section	08
Legal Subdivision	CHURCHILL FARMS SUBDIVISION
Legal Lot Number	28
Jurisdiction	LAPEER MI
Township / Civil Division	LAPEER
Census Block Group	1
Census Block	1015
Census Tract	338000

Owner

1060 Cliff Dr is owned and occupied by two individuals who bought it in December 2023.

Source: Lapeer County records, as of September 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1060 CLIFF DR, LAPEER, MI 48446-3021
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2023	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 INC
Dec 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage TOWNE MORTGAGE CO
Sep 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BK
Sep 26, 2018	Warranty Deed, Transfer · Stand-Alone Refinance TOWNE MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2023 · Amount on File
Deed Sale	Dec 15, 2023 · Amount on File
Prior Sale	Sep 26, 2018 · Amount on File
Deed Book / Page	3380 / 733
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Dec 15, 2023
Property Address	1060 CLIFF DR, LAPEER, MI 48446-3021
Document Number	0033800733
Book / Page	3380 / 733
Map Reference	LB 1 PG 92
Instrument Date	Dec 8, 2023
Transaction Type	Transfer
Record Updated	Jan 15, 2024
Title Company	CAPITOL TITLE COMPANY INC, CAPITAL TITLE INS AGCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,437.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1060 CLIFF DR, LAPEER, MI 48446-3021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7265 EDGEWOOD AVE, JENISON, MI 49428-8958

Mortgage

Document Number	0003380804
Date	Dec 15, 2023
Instrument	3380/804

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2039

Mortgage

Document Number	0033800804
Date	Dec 15, 2023
Book Page	3380/804

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company
Address	43456 MOUND RD, STERLING HEIGHTS, MI 48314

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2039

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	1060 CLIFF DR, LAPEER, MI 48446-3021
Transaction Type	Mortgage
Record Updated	Feb 8, 2021
Title Company	PARKS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1060 CLIFF DR, LAPEER, MI 48446-3021

Mortgage

Document Number	0031600181
Date	Dec 28, 2020
Book Page	3160/181

Lender

Name	TOWNE MORTGAGE CO
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	1060 CLIFF DR, LAPEER, MI 48446-3021
Document Number	0030540651
Instrument Date	Sep 26, 2019
Transaction Type	Mortgage
Record Updated	Nov 26, 2019
Title Company	ABSTRACT TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1060 CLIFF DR LAPEER MI 484463021, LAPEER, MI 48446-3021

Mortgage

Document Number	0030540651
Date	Oct 17, 2019
Book Page	003054/000651

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 16, 2049

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Sep 26, 2018
Property Address	1060 CLIFF DR, LAPEER, MI 48446-3021
Document Number	0029860902
Book / Page	2986 / 902
Instrument Date	Sep 14, 2018
Transaction Type	Transfer
Record Updated	Jul 5, 2021
Title Company	BELL TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	47172 274TH ST, HARRISBURG, SD 57032-5403

Mortgage

Document Number	0029860903
Date	Sep 26, 2018
Book Page	2986/903

Lender

Name	TOWNE MORTGAGE CO

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	349 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1060 Cliff Dr was $3,905 with a homeowner's exemption.

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		$162,400 (-30.09%)	$324,800 (-30.09%)
2025	$3,905.00 Homeowner's exemption	$232,300	$464,600
2023		$217,700	$435,400
2022	$2,524.00

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

FEMA maps place 1060 Cliff Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1060 Cliff Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 85% 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 134 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

May also be available: T-Mobile, Xfinity.

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