1124 Cliff Dr, Lapeer, MI 48446 Property Records

Lapeer County property record for 1124 Cliff Dr, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,560 sqft · built 1996
Lot Size	1.03 acres (44,997 sqft)
Owner	2 Individual Names on Record
Last Sale	$20,000 (Mar 1996)
Tax Bill	$1,584 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`012-200-023-00`

Property Details

APN / Parcel Number

Primary APN	`012-200-023-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,560 sqft Living Area
1st Floor Area	1,560 sqft
Basement Area	1,560 sqft
Unfinished Basement	1,560 sqft
Flooring	Carpet

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Lot Area	44,997 sqft (1.03 acres)
Lot Dimensions	300 ft deep x 150 ft wide
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1124 CLIFF DR
City	LAPEER
State	MI
Zip	48446-3022
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1B
Legal Description	SEC 8 T7N R10E CHURCHILL FARMS SUBDIVISION LOT 23.
Legal Range	10E
Legal Township	07N
Legal Section	08
Legal Subdivision	CHURCHILL FARMS SUBDIVISION
Legal Lot Number	23
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	2 Individual Names on Record
Mailing Address	1124 CLIFF DR, LAPEER, MI 48446-3022
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Nov 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 1996 · Amount on Record
Deed Sale	Mar 1, 1996 · Amount on Record
Deed Book / Page	941 / 546
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	1124 CLIFF DR, LAPEER, MI 48446-3022
Transaction Type	Mortgage
Record Updated	Nov 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1124 CLIFF DR, LAPEER, MI 48446-3022

Mortgage

Document Number	0033220114
Date	Oct 19, 2022
Book Page	3322/114

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Oct 2, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	1124 CLIFF DR, LAPEER, MI 48446-3022
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1124 CLIFF DR, LAPEER, MI 48446-3022

Mortgage

Document Number	0031440470
Date	Nov 6, 2020
Book Page	3144/470

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

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		$122,900 (-28.38%)	$245,800 (-28.38%)
2025	$1,584.00 (+14.45%) Homeowner's exemption	$171,600 (+6.92%)	$343,200 (+6.92%)
2023		$160,500	$321,000
2022	$1,384.00

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 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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