115 Michael Rd, Lapeer, MI 48446 Property Records

Lapeer County property record for 115 Michael Rd, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Details	4 bd · 5.5 ba · 5,280 sqft · built 1912
Lot Size	9.03 acres (393,347 sqft)
Owner	Individual Name on File
Last Sale	$795,000 (Apr 2022)
Tax Bill	$11,437 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`012-020-009-00`

Property Details

APN / Parcel Number

Primary APN	`012-020-009-00`

Interior

Bedrooms	4 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Building Area	5,280 sqft Living Area
1st Floor Area	3,216 sqft
Basement Area	1,104 sqft
Unfinished Basement	1,104 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1912
Lot Area	393,347 sqft (9.03 acres)
Garage Area	776 sqft

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	115 MICHAEL RD
City	LAPEER
State	MI
Zip	48446-9406
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE
Legal Description	SEC 20 T7N R10E PARCEL D BEG AT E 1/4 COR TH W 991.87 FT TO POB TH W 1283 FT TH N 28DEG 2'8 E 375.66 FT TH E 1096 FT TH S
Legal Range	10E
Legal Township	07N
Legal Section	20
Jurisdiction	LAPEER MI
Township / Civil Division	LAPEER
Census Block Group	1
Census Block	1039
Census Tract	338000

Owner

115 Michael Rd is owned and occupied by an individual who bought it in April 2022.

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

Owner of Record	Individual Name on File
Mailing Address	115 MICHAEL RD, LAPEER, MI 48446-9406
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
Apr 15, 2022	Warranty Deed, Transfer · Conventional Mortgage STAUNTON FINANCIAL INC
Jul 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage ST JAMES MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 15, 2022 · Amount on File
Deed Sale	Apr 15, 2022 · Amount on File
Prior Sale	Aug 19, 1989 · Amount on File
Deed Book / Page	3287 / 732
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Apr 15, 2022
Property Address	115 MICHAEL RD, LAPEER, MI 48446-9406
Document Number	0032870732
Book / Page	3287 / 732
Instrument Date	Apr 11, 2022
Transaction Type	Transfer
Record Updated	May 19, 2022
Title Company	CAPITAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,962.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	115 MICHAEL RD, 115, LAPEER, MI 48446-9406

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3666 ROYAL AVE, BERKLEY, MI 48072-3433

Mortgage

Document Number	0003287735
Date	Apr 15, 2022
Instrument	3287/735

Lender

Name	STAUNTON FINANCIAL INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	May 1, 2037
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	8.25%
Index	Other
Margin	3
Max Rate	8.25%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	115 MICHAEL RD, LAPEER, MI 48446-9406
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CISLO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031150935
Date	Jul 22, 2020
Book Page	3115/935

Lender

Name	ST JAMES MORTGAGE CORP
Type	Mortgage Company
Address	BLOOMFIELD HILLS, MI 48304

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	323 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 115 Michael Rd was $11,437.

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		$363,000 (+8.23%)	$726,000 (+8.23%)
2025	$11,437.00	$335,400	$670,800
2023		$266,300	$532,600
2022	$2,822.00

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 115 Michael Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 115 Michael Rd is low, with 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T Fixed Wireless	25 / 3

May also be available: T-Mobile.

Nearby Properties on Michael Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures