1281 Pine St, Lapeer, MI 48446 Property Records

Lapeer County property record for 1281 Pine St, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,210 sqft · built 1953
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$125,000 (Dec 2004)
Tax Bill	$1,379 (2025)
Deeds & Mortgages	Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`L22-05-200-040-00`

Property Details

APN / Parcel Number

Primary APN	`L22-05-200-040-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,210 sqft Living Area
1st Floor Area	976 sqft
Basement Area	936 sqft
Flooring	Carpet

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Bungalow
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	120 ft deep x 80 ft wide
Garage Area	576 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1281 PINE ST
City	LAPEER
State	MI
Zip	48446-1512
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2 1 FM
Legal Description	CITY OF LAPEER R T8N, R10E, SEC 32 COM ON W LINE OF PINE ST 931 FT N OF S SEC LINE TH W 120 FT TH N 80 FT TH E 120 FT TH S 80
Legal Range	10E
Legal Township	08N
Legal Section	32
Jurisdiction	LAPEER MI
Township / Civil Division	LAPEER
Census Block Group	2
Census Block	2000
Census Tract	337500

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	1281 PINE ST, LAPEER, MI 48446-1512
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2004 · Amount on Record
Deed Sale	Dec 17, 2004 · Amount on Record
Prior Sale	Mar 28, 1991 · Amount on Record
Deed Document Number	20041
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	1281 PINE ST, LAPEER, MI 48446-1512
Document Number	0030580011
Instrument Date	Oct 25, 2019
Transaction Type	Mortgage
Record Updated	Dec 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1281 PINE ST LAPEER MI 484461512, LAPEER, MI 48446-1512

Mortgage

Document Number	0030580011
Date	Oct 31, 2019
Book Page	003058/000011

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 30, 2049

Tax Assessment & Valuation

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		$93,400 (+9.88%)	$186,800 (+9.88%)
2025	$1,379.00 (+14.92%) Homeowner's exemption	$85,000 (+15.02%)	$170,000 (+15.02%)
2023		$73,900	$147,800
2022	$1,200.00

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 Claims	3 (2009)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Aug 2009 · tidal / storm surge

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 87% 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 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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