1285 2nd St, Lapeer, MI 48446 Property Records

Lapeer County property record for 1285 2nd St, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1970
Lot Size	0.153 acres (6,665 sqft)
Owner	Individual Name on Record
Last Sale	$145,000 (Nov 2020)
Tax Bill	$2,319 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage Dec 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`L21-29-819-040-00`

Property Details

APN / Parcel Number

Primary APN	`L21-29-819-040-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	960 sqft Living Area
1st Floor Area	960 sqft
Basement Area	960 sqft
Flooring	Carpet

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Ranch
Lot Area	6,665 sqft (0.153 acres)
Lot Dimensions	113 ft deep x 59 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1285 2ND ST
City	LAPEER
State	MI
Zip	48446-1251
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 1 FM
Legal Description	CITY OF LAPEER R KAMARO SUBDIVISION LOT 5, BLOCK B (L=1 P=100 SEC 32, T8N-R10E)
Legal Range	10E
Legal Township	08N
Legal Section	32
Legal Subdivision	CITY OF LAPEER R KAMARO SUBDIVISION
Legal Block	B
Legal Lot Number	5
Jurisdiction	LAPEER MI
Township / Civil Division	LAPEER
Census Block Group	1
Census Block	1004
Census Tract	337000

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	Individual Name on Record
Mailing Address	1285 2ND ST, LAPEER, MI 48446-1251
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2020	Warranty Deed, Transfer · Conventional Mortgage ELGA CREDIT UNION
Dec 13, 2018	Warranty Deed, Transfer CISLO TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 2020 · Amount on Record
Deed Sale	Nov 12, 2020 · Amount on Record
Prior Sale	Dec 13, 2018 · Amount on Record
Deed Book / Page	3146 / 267
Prior Transfer Date	Jun 11, 2008
Prior Transfer Doc	0023360706
Record Updated	Oct 29, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Nov 12, 2020
Property Address	1285 2ND ST, LAPEER, MI 48446-1251
Document Number	0031460267
Book / Page	3146 / 267
Map Reference	LB 1 PG 100
Instrument Date	Nov 6, 2020
Transaction Type	Transfer
Record Updated	Jul 5, 2021
Title Company	CISLO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,087.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3677 WEDGEWOOD DR, 3677, LAPEER, MI 48446-4304

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1285 2ND ST, LAPEER, MI 48446-1251

Mortgage

Document Number	3146269
Date	Nov 12, 2020
Instrument	3146/269

Lender

Name	ELGA CREDIT UNION
Type	Credit Union

Agreement

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

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Dec 13, 2018
Property Address	1285 2ND ST, LAPEER, MI 48446-1251
Document Number	0030000355
Book / Page	003000 / 000355
Instrument Date	Dec 11, 2018
Transaction Type	Transfer
Record Updated	Jan 18, 2019
Title Company	CISLO TITLE

Transaction

Amount	Amount Recorded
Tax	$450.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3677 WEDGEWOOD DR LAPEER MI 484464304, LAPEER, MI 48446-4304

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		$83,800 (+1.09%)	$167,600 (+1.09%)
2025	$2,319.00 (+14.86%) Homeowner's exemption	$82,900 (+10.53%)	$165,800 (+10.53%)
2023		$75,000	$150,000
2022	$2,019.00

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	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

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

Wildfire Risk	Low lower than 98% of the US · lower than 95% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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