Lapeer County property record for 1097 Lancaster St, Lapeer, MI 48446
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 2.5 ba · 1,492 sqft · built 2005 |
| Lot Size | 0.266 acres (11,587 sqft) |
| Owner | Individual Name on File |
| Last Sale | $210,000 (Nov 2018) |
| Tax Bill | $3,723 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Nov 2018 Sale & Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | L21-61-350-007-00 |
| Primary APN | L21-61-350-007-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,492 sqft Living Area |
| 1st Floor Area | 1,492 sqft |
| Basement Area | 1,492 sqft |
| Flooring | Carpet |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Ranch |
| Lot Area | 11,587 sqft (0.266 acres) |
| Lot Dimensions | 145 ft deep x 80 ft wide |
| Garage Area | 506 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1097 LANCASTER ST |
|---|---|
| City | LAPEER |
| State | MI |
| Zip | 48446-4407 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | R2 1 FM |
| Legal Description | CITY OF LAPEER BROOKWOOD OF LAPEER CONDO UNIT 7 (L=1990 P=303-305 SEC 31, T8N-R10E) |
| Legal Range | 10E |
| Legal Township | 08N |
| Legal Section | 31 |
| Legal Subdivision | BROOKWOOD OF LAPEER |
| Legal Unit | 7 |
| Jurisdiction | LAPEER MI |
| Township / Civil Division | LAPEER |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 334000 |
1097 Lancaster St, a condominium, is owned and occupied by an individual who bought it in November 2018.
Source: Lapeer County records, as of September 24, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1097 LANCASTER ST, LAPEER, MI 48446-4407 |
| 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.
| Date | Document |
|---|---|
| Nov 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PRESIDENTIAL BANK FSB |
| Nov 28, 2018 | Warranty Deed, Transfer · Stand-Alone Refinance PRESIDENTIAL BANK FSB |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 28, 2018 · Amount on File |
| Deed Sale | Nov 28, 2018 · Amount on File |
| Prior Sale | Nov 28, 2018 · Amount on File |
| Deed Book / Page | 2997 / 712 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 1097 LANCASTER ST, LAPEER, MI 48446-4407 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2021 |
| Title Company | CRISLO TITLE COMPANY, CISLO TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 1097 LANCASTER ST, LAPEER, MI 48446-4407 |
| Document Number | 0032520162 |
|---|---|
| Date | Nov 10, 2021 |
| Book Page | 3252/162 |
| Name | PRESIDENTIAL BANK FSB |
|---|---|
| Type | Bank |
| Address | BETHESDA, MD 20814 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAPEER MI |
| Recording Date | Nov 28, 2018 |
| Property Address | 1097 LANCASTER ST, LAPEER, MI 48446-4407 |
| Document Number | 0029970712 |
| Book / Page | 2997 / 712 |
| Instrument Date | Nov 21, 2018 |
| Instrument | 3129 |
| Transaction Type | Transfer |
| Record Updated | Jul 5, 2021 |
| Title Company | CISLO TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1097 LANCASTER ST, LAPEER, MI 48446-4407 |
| Document Number | 0029970715 |
|---|---|
| Date | Nov 28, 2018 |
| Book Page | 2997/715 |
| Name | PRESIDENTIAL BANK FSB |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | Dec 1, 2047 |
The 2025 property tax bill for 1097 Lancaster St was $3,723 with a homeowner's exemption.
Source: Lapeer County assessment roll, as of September 24, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Lapeer County |
| Municipality | Lapeer City |
| Unified School District | Lapeer Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $158,500 (+3.39%) | $317,000 (+3.39%) | |
| 2025 | $3,723.00 Homeowner's exemption | $153,300 | $306,600 |
| 2023 | $127,800 | $255,600 | |
| 2022 | $3,242.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1097 Lancaster St 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 | 5 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 risk around 1097 Lancaster St 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 98% of the US · lower than 95% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 62 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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