1295 2nd St, Lapeer, MI 48446 Property Records

Lapeer County property record for 1295 2nd St, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1971
Lot Size	0.153 acres (6,665 sqft)
Owner	2 Individual Names on File
Last Sale	$120,000 (Jul 2018)
Tax Bill	$1,503 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Aug 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`L21-29-820-040-00`

Property Details

APN / Parcel Number

Primary APN	`L21-29-820-040-00`

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 1971
Effective Year Built	Effective 1971
Architectural Style	Ranch
Lot Area	6,665 sqft (0.153 acres)
Lot Dimensions	113 ft deep x 59 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1295 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 6, 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	6
Jurisdiction	LAPEER MI
Township / Civil Division	LAPEER
Census Block Group	1
Census Block	1004
Census Tract	337000

Owner

1295 2nd St is owned and occupied by two individuals who acquired it in August 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	1295 2ND ST, LAPEER, MI 48446-1251
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
Jan 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN MUTUAL INC
Aug 21, 2018	Quit Claim Deed, Transfer Quitclaim
Jul 26, 2018	Warranty Deed, Transfer · Stand-Alone Refinance MID-AMERICAN MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2018 · Amount on File
Deed Sale	Jul 26, 2018 · Amount on File
Prior Sale	Jul 26, 2018 · Amount on File
Deed Document Number	2018297400515
Deed Book / Page	2974 / 515
Last Transfer Date	Aug 20, 2018
Transfer Doc	0029790705
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	1295 2ND ST, LAPEER, MI 48446-1251
Transaction Type	Mortgage
Record Updated	Feb 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1295 2ND ST, LAPEER, MI 48446-1251

Mortgage

Document Number	0032680402
Date	Jan 20, 2022
Book Page	3268/402

Lender

Name	MICHIGAN MUTUAL INC
Type	Mortgage Company
Address	PORT HURON, MI 48060

Agreement

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

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAPEER MI
Recording Date	Aug 21, 2018
Property Address	1295 2ND ST, LAPEER, MI 48446-1251
Document Number	0029790705
Book / Page	002979 / 000705
Instrument Date	Aug 20, 2018
Transaction Type	Transfer
Record Updated	Oct 3, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1295 2ND ST LAPEER MI 484461251, LAPEER, MI 48446-1251

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Jul 26, 2018
Property Address	1295 2ND ST, LAPEER, MI 48446-1251
Document Number	0029740515
Book / Page	2974 / 515
Instrument Date	Jul 20, 2018
Transaction Type	Transfer
Record Updated	Jul 5, 2021
Title Company	FIRST AMERICAN TITLE

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	108 FRONT ST APT 303, 303, BATH, ME 04530-2664

Mortgage

Document Number	0029740517
Date	Jul 26, 2018
Book Page	2974/517

Lender

Name	MID-AMERICAN MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	349 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1295 2nd St was $1,503 with a homeowner's exemption, up 2.9% from the year before.

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		$79,000 (+2.2%)	$158,000 (+2.2%)
2025	$1,503.00 (+2.95%) Homeowner's exemption	$77,300	$154,600
2024	$1,460.00
2023		$63,600	$127,200
2022	$1,309.00

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

Flood

FEMA maps place 1295 2nd 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

Wildfire risk around 1295 2nd St 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 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.

Nearby Properties on 2nd St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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