1168 S Five Lakes Rd, Lapeer, MI 48446 Property Records

Lapeer County property record for 1168 S Five Lakes Rd, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,544 sqft · built 1987
Lot Size	9 acres (392,040 sqft)
Owner	Individual Name on File
Last Sale	$320,000 (May 2020)
Tax Bill	$2,926 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`012-013-002-00`

Property Details

APN / Parcel Number

Primary APN	`012-013-002-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,544 sqft Living Area
1st Floor Area	1,076 sqft
Basement Area	1,076 sqft
Unfinished Basement	1,076 sqft
Flooring	Carpet

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Lot Area	392,040 sqft (9 acres)
Garage Area	576 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1168 S FIVE LAKES RD
City	LAPEER
State	MI
Zip	48446-9428
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE
Legal Description	SEC 13 T7N R10E SE 1/4 OF NE 1/4 EX S 689.10 FT THEREOF & EX THE N 330 FT THEREOF. 9.01 A.
Legal Range	10E
Legal Township	07N
Legal Section	13
Jurisdiction	LAPEER MI
Township / Civil Division	LAPEER
Census Block Group	3
Census Block	3013
Census Tract	338000

Owner

1168 S Five Lakes Rd is owned and occupied by an individual who bought it in May 2020.

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

Owner of Record	Individual Name on File
Mailing Address	1168 S FIVE LAKES RD, LAPEER, MI 48446-9428
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
Jun 22, 2026	Deed of Trust, Mortgage · Line of Credit GENISYS CREDIT UNION
Dec 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 4, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2020 · Amount on File
Deed Sale	May 4, 2020 · Amount on File
Prior Sale	May 4, 2020 · Amount on File
Deed Book / Page	3098 / 716
Prior Transfer Date	Mar 26, 2010
Prior Transfer Doc	0024370963
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Recording Date	Jun 22, 2026
Property Address	1168 S FIVE LAKES RD, LAPEER, MI 48446-9428
Document Number	3526000814
Book / Page	3526 / 814
Instrument Date	Jun 15, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1168 S FIVE LAKES RD, LAPEER, MI 48446-9428

Mortgage

Document Number	3526000814,
Date	Jun 22, 2026
Book Page	3526/814

Lender

Name	GENISYS CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jun 15, 2046

Interest

Rate	6.36%
Max Rate	-1%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	1168 S FIVE LAKES RD, LAPEER, MI 48446-9428
Transaction Type	Mortgage
Record Updated	Jan 31, 2022
Title Company	TITLE ONE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1168 S FIVE LAKES RD, LAPEER, MI 48446-9428

Mortgage

Document Number	0032610495
Date	Dec 20, 2021
Book Page	3261/495

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	335 Months
Due	Nov 1, 2049

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	May 4, 2020
Property Address	1168 S FIVE LAKES RD, LAPEER, MI 48446-9428
Document Number	0030980716
Book / Page	3098 / 716
Instrument Date	Apr 21, 2020
Transaction Type	Transfer
Record Updated	Jul 5, 2021

Transaction

Amount	Amount on Record
Tax	$2,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1168 S FIVE LAKES RD, 1168, LAPEER, MI 48446-9428

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1168 S FIVE LAKES RD, LAPEER, MI 48446-9428

Tax Assessment & Valuation

The 2025 property tax bill for 1168 S Five Lakes Rd was $2,926 with a homeowner's exemption, up 5.7% from the year before.

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		$167,100 (+8.44%)	$334,200 (+8.44%)
2025	$2,926.00 (+5.71%) Homeowner's exemption	$154,100	$308,200
2024	$2,768.00
2023		$126,300	$252,600
2022	$2,510.00

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 1168 S Five Lakes Rd 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	3 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 1168 S Five Lakes Rd 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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T DSL · Fixed Wireless in parts of the area	100 / 20
Verizon Fixed Wireless	25 / 6

May also be available: Spectrum, T-Mobile.

Nearby Properties on S Five Lakes Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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