109 Gray Rd, Lapeer, MI 48446 Property Records

Lapeer County property record for 109 Gray Rd, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,817 sqft · built 1900
Lot Size	13 acres (567,151 sqft)
Owner	2 Individual Names on File
Last Sale	$270,000 (Mar 2023)
Tax Bill	$1,477 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`008-003-020-00`

Property Details

APN / Parcel Number

Primary APN	`008-003-020-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,817 sqft Living Area
1st Floor Area	1,109 sqft
Basement Area	416 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	567,151 sqft (13 acres)
Total Buildings	4 Buildings

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	109 GRAY RD
City	LAPEER
State	MI
Zip	48446-2852
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	. SEC 3 T7N R9E COM 771 FT N OF THE SE COR OF SEC 3 TH CONT N 577.15 FT TH W 810.55 FT TH S 752.01 FT TH E 564.88 FT TH N
Legal Range	09E
Legal Township	07N
Legal Section	03
Jurisdiction	LAPEER MI
Township / Civil Division	ELBA
Census Block Group	1
Census Block	1003
Census Tract	336000

Owner

Source: Lapeer County assessment roll, as of August 14, 2025

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

Owner of Record	2 Individual Names on File
Mailing Address	109 GRAY RD, LAPEER, MI 48446-2852
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 24, 2023 · Amount on Record
Deed Sale	Mar 24, 2023 · Amount on Record
Prior Sale	Dec 13, 2002 · Amount on Record
Deed Book / Page	3343 / 204
Record Updated	Sep 20, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Mar 24, 2023
Property Address	109 GRAY RD, LAPEER, MI 48446-2852
Document Number	0033430204
Book / Page	3343 / 204
Instrument Date	Mar 20, 2023
Transaction Type	Transfer
Record Updated	Apr 26, 2023
Title Company	CISLO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,025.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	109 GRAY RD, LAPEER, MI 48446-2852

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 GRAY RD, LAPEER, MI 48446-2852

Mortgage

Document Number	0033450499
Date	Apr 12, 2023
Book Page	3345/499

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2053

Tax Assessment & Valuation

Source: Lapeer County assessment roll, as of August 14, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,477.00 (-19.29%) Homeowner's exemption	$154,300 (+23.64%)	$308,600 (+23.64%)
2023		$124,800	$249,600
2022	$1,830.00

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 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	1 in force
Nearby Flood Claims	2 (1998–2013)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Feb 2013 · rainfall accumulation

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 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20