Lapeer County property record for 1318 Circle Dr, Metamora, MI 48455
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,144 sqft · built 1965 |
| Lot Size | 0.39 acres (16,988 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $190,000 (Jul 2020) |
| Tax Bill | $3,423 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit May 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 015-151-046-00 |
| Primary APN | 015-151-046-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,144 sqft Living Area |
| 1st Floor Area | 1,144 sqft |
| Flooring | Carpet |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Exterior Material | Wood Siding |
| Lot Area | 16,988 sqft (0.39 acres) |
| Lot Dimensions | 146 ft deep x 140 ft wide |
| Garage Area | 440 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 1318 CIRCLE DR |
|---|---|
| City | METAMORA |
| State | MI |
| Zip | 48455-8912 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | T6N R10E LAKE SIDE #1 LOT 46 & S 1/2 OF LOT 45(DESC AS ALL OF LOT 45 EXCEPT BEG AT THE NELY COR LOT 45, TH ALG E LOT LN |
| Legal Subdivision | LAKE SIDE 1 |
| Legal Lot Number | 45-46 |
| Jurisdiction | LAPEER MI |
| Township / Civil Division | METAMORA |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 341500 |
1318 Circle Dr is owned and occupied by two individuals who acquired it in March 2021.
Source: Lapeer County records, as of September 24, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1318 CIRCLE DR, METAMORA, MI 48455-8912 |
| 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.
| Date | Document |
|---|---|
| Mar 17, 2026 | Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC |
| May 23, 2022 | Deed of Trust, Mortgage · Line of Credit GENISYS CU |
| Apr 1, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage SUMMIT FUNDING INC |
| Jul 2, 2020 | Warranty Deed, Transfer FIRST AMERICAN TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 2, 2020 · Amount on File |
| Deed Sale | Jul 2, 2020 · Amount on File |
| Prior Sale | Jul 2, 2020 · Amount on File |
| Deed Book / Page | 3111 / 582 |
| Last Transfer Date | Mar 25, 2021 |
| Transfer Doc | 0031880179 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 1318 CIRCLE DR, METAMORA, MI 48455-8912 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1318 CIRCLE DR, METAMORA, MI 48455-8912 |
| Document Number | 0035090227 |
|---|---|
| Date | Mar 17, 2026 |
| Book Page | 3509/227 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | 1 W ELM ST STE 450, CONSHOHOCKEN, PA 19428 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Apr 1, 2046 |
| Change Frequency | Monthly |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 1318 CIRCLE DR, METAMORA, MI 48455-8912 |
| Transaction Type | Mortgage |
| Record Updated | Jul 1, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1318 CIRCLE DR, METAMORA, MI 48455-8912 |
| Document Number | 0032950158 |
|---|---|
| Date | May 23, 2022 |
| Book Page | 3295/158 |
| Name | GENISYS CU |
|---|---|
| Type | Credit Union |
| Address | AUBURN HILLS, MI 48326 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | May 4, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAPEER MI |
| Recording Date | Apr 1, 2021 |
| Property Address | 1318 CIRCLE DR, METAMORA, MI 48455-8912 |
| Document Number | 0031880179 |
| Book / Page | 3188 / 179 |
| Map Reference | LB 2 PG 8 |
| Instrument Date | Mar 25, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1318 CIRCLE DR, METAMORA, MI 48455-8912 |
| Document Number | 3188181 |
|---|---|
| Date | Apr 1, 2021 |
| Instrument | 3188/181 |
| Name | SUMMIT FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAPEER MI |
| Recording Date | Jul 2, 2020 |
| Property Address | 1318 CIRCLE DR, METAMORA, MI 48455-8912 |
| Document Number | 0031110582 |
| Book / Page | 3111 / 582 |
| Map Reference | LB 2 PG 8 |
| Instrument Date | Jun 18, 2020 |
| Transaction Type | Transfer |
| Record Updated | Jul 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $1,425.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 703 SHENANDOAH DR, 703, CLAWSON, MI 48017-3004 |
| Name | Verified Name |
|---|---|
| Address | 1318 CIRCLE DR, METAMORA, MI 48455-8912 |
The 2025 property tax bill for 1318 Circle Dr was $3,423 with a homeowner's exemption, up 2.9% from the year before.
Source: Lapeer County assessment roll, as of September 24, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Lapeer County |
| County Subdivision | Metamora Township |
| Unified School District | Lapeer Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $152,500 (+12.05%) | $305,000 (+12.05%) | |
| 2025 | $3,423.00 (+2.92%) Homeowner's exemption | $136,100 | $272,200 |
| 2024 | $3,326.00 | ||
| 2023 | $113,900 | $227,800 | |
| 2022 | $2,855.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1318 Circle Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective May 4, 2016
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 1318 Circle Dr 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 93% of the US · lower than 83% 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.
Source: FCC Broadband Data Collection, based on 128 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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