1095 Baldwin Rd, Lapeer, MI 48446 Property Records

Lapeer County property record for 1095 Baldwin Rd, Lapeer, MI 48446 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,650 sqft · built 1990
Lot Size	1.97 acres (85,987 sqft)
Owner	2 Individual Names on File
Last Sale	$223,000 (Jul 2019)
Tax Bill	$1,246 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Sep 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`012-640-018-60`

Property Details

APN / Parcel Number

Primary APN	`012-640-018-60`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,650 sqft Living Area
1st Floor Area	1,640 sqft
Basement Area	1,640 sqft
Unfinished Basement	1,640 sqft
Flooring	Carpet

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	85,987 sqft (1.97 acres)
Lot Dimensions	500 ft deep x 172 ft wide
Garage Area	400 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1095 BALDWIN RD
City	LAPEER
State	MI
Zip	48446-3009
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 7 T7N R10E SUPERVISORS PLAT #4 RECORDED IN PLAT LIBER 1, BEG AT NW COR OF SAID LOT 18 TH S 28 DEG 03' W 140.03 FT TO POB
Legal Range	10E
Legal Township	07N
Legal Section	07
Legal Subdivision	SUPERVISORS PLAT #4
Legal Lot Number	18
Jurisdiction	LAPEER MI
Township / Civil Division	LAPEER
Census Block Group	1
Census Block	1018
Census Tract	338000

Owner

Source: Lapeer County records · APN 012-640-018-60

Assessment roll updated August 14, 2025 · Last verified June 2026

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	1095 BALDWIN RD, LAPEER, MI 48446-3009
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage ROYAL PACIFIC FUNDING CORP
Sep 29, 2020	Intrafamily Transfer, Transfer SPEEDY T&E SVCS LLC
Jul 24, 2019	Warranty Deed, Transfer · FHA Mortgage ROSS MTG

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 24, 2019 · Amount on Record
Deed Sale	Jul 24, 2019 · Amount on Record
Prior Sale	Oct 18, 2012 · Amount on Record
Deed Document Number	20191828
Deed Book / Page	3026 / 239
Last Transfer Date	Aug 05, 2020
Transfer Doc	0031320619
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	1095 BALDWIN RD, LAPEER, MI 48446-3009
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1095 BALDWIN RD, LAPEER, MI 48446-3009

Mortgage

Document Number	0031210553
Date	Aug 13, 2020
Book Page	3121/553

Lender

Name	ROYAL PACIFIC FUNDING CORP
Type	Lending Institution
Address	CORONA DEL MAR, CA 92625

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2050

September 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAPEER MI
Recording Date	Sep 29, 2020
Property Address	1095 BALDWIN RD, LAPEER, MI 48446-3009
Document Number	0031320619
Book / Page	3132 / 619
Map Reference	LB 1 PG 91
Instrument Date	Aug 05, 2020
Transaction Type	Transfer
Record Updated	Jul 05, 2021
Title Company	SPEEDY T&E SVCS LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1095 BALDWIN RD, 1095, LAPEER, MI 48446-3009

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1095 BALDWIN RD, LAPEER, MI 48446-3009

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Jul 24, 2019
Property Address	1095 BALDWIN RD, LAPEER, MI 48446-3009
Document Number	0030360239
Book / Page	003036 / 000239
Instrument Date	Jul 19, 2019
Transaction Type	Transfer
Record Updated	Sep 02, 2019
Title Company	FIRST CENTENNIAL TITLE AGENCY IN, FIRST CENTENNIAL TITLE AGCY IN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,672.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11986 TWIN BROOK DR ROMEO MI 480655443, ROMEO, MI 48065-5443

Mortgage

Document Number	30360241
Date	Jul 24, 2019
Book Page	003036/000241

Lender

Name	ROSS MTG
Type	Mortgage Company
Address	CASCO, MI 48064

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2049

Tax Assessment & Valuation

Source: Lapeer County records · Assessment roll updated August 14, 2025 · Last verified June 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,246.00 (-53.83%) Homeowner's exemption	$224,000 (+6.87%)	$448,000 (+6.87%)
2024	$2,699.00 (+10.25%)
2023		$209,600	$419,200
2022	$2,448.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lapeer County (26087C), updated May 4, 2016 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 260873380001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Low above 6% of the US · above 15% of Michigan
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 134 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: T-Mobile USA, Xfinity, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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