1205 Jefferson St, Lapeer, MI 48446 Property Records

Lapeer County property record for 1205 Jefferson St, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,239 sqft · built 1947
Lot Size	0.161 acres (7,013 sqft)
Owner	Individual Name on File
Last Sale	$129,500 (Dec 2018)
Tax Bill	$1,669 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Dec 2018 Sale & Refinance
Flood Zone	Zone X (minimal risk)
APN	`L21-37-904-040-00`

Property Details

APN / Parcel Number

Primary APN	`L21-37-904-040-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,239 sqft Living Area
1st Floor Area	826 sqft
Basement Area	826 sqft
Flooring	Carpet

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Lot Area	7,013 sqft (0.161 acres)
Lot Dimensions	100 ft deep x 70 ft wide
Garage Area	336 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1205 JEFFERSON ST
City	LAPEER
State	MI
Zip	48446-1319
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 1 FM
Legal Description	CITY OF LAPEER R SHAFERS ADDITION LOT 6 AND THE S. 20 FEET OF LOT 7, BLOCK 4 (L=9 P=408 SEC 32, T8N-R10E)
Legal Range	10E
Legal Township	08N
Legal Section	32
Legal Subdivision	CITY OF LAPEER R SHAFERS ADD
Legal Block	4
Legal Lot Number	6-7
Jurisdiction	LAPEER MI
Township / Civil Division	LAPEER
Census Block Group	1
Census Block	1009
Census Tract	337000

Owner

1205 Jefferson St is owned and occupied by an individual who bought it in December 2018.

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

Owner of Record	Individual Name on File
Mailing Address	1205 JEFFERSON ST, LAPEER, MI 48446-1319
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
Oct 3, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Dec 21, 2018	Warranty Deed, Transfer · Stand-Alone Refinance FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2018 · Amount on File
Deed Sale	Dec 21, 2018 · Amount on File
Prior Sale	Jan 4, 2007 · Amount on File
Deed Document Number	20183480
Deed Book / Page	3001 / 493
Prior Transfer Date	Oct 5, 1989
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	1205 JEFFERSON ST, LAPEER, MI 48446-1319
Transaction Type	Mortgage
Record Updated	Nov 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1205 JEFFERSON ST, LAPEER, MI 48446-1319

Mortgage

Document Number	0033190228
Date	Oct 3, 2022
Book Page	3319/228

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	350 Months
Due	Dec 1, 2051

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Dec 21, 2018
Property Address	1205 JEFFERSON ST, LAPEER, MI 48446-1319
Document Number	0030010493
Book / Page	3001 / 493
Instrument Date	Dec 13, 2018
Instrument	3480
Transaction Type	Transfer
Record Updated	Jul 5, 2021
Title Company	LIGHTHOUSE TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3893 METAMORA RD, OXFORD, MI 48371-1627

Mortgage

Document Number	0030010496
Date	Dec 21, 2018
Book Page	3001/496

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1205 Jefferson St was $1,669 with a homeowner's exemption.

Source: Lapeer County assessment roll, as of September 24, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Lapeer County
Municipality	Lapeer City
Unified School District	Lapeer Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$95,400 (+6.47%)	$190,800 (+6.47%)
2025	$1,669.00 Homeowner's exemption	$89,600	$179,200
2023		$87,600	$175,200
2022	$1,453.00

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

Flood

FEMA maps place 1205 Jefferson St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1997.

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 Claims	1 (1997)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 1997 · river or lake flooding

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

The area around 1205 Jefferson St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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 318 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Xfinity.

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