1325 2nd St, Lapeer, MI 48446 Property Records

Lapeer County property record for 1325 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	2 Trust Names on File
Last Sale	$180,000 (Jun 2023)
Tax Bill	$3,590 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Jun 2023 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`L21-29-823-040-00`

Property Details

APN / Parcel Number

Primary APN	`L21-29-823-040-00`

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

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1325 2ND ST
City	LAPEER
State	MI
Zip	48446-1271
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 1 FM
Legal Description	CITY OF LAPEER R KAMARO SUBDIVISION LOT 9, 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	9
Jurisdiction	LAPEER MI
Township / Civil Division	LAPEER
Census Block Group	1
Census Block	1004
Census Tract	337000

Owner

1325 2nd St is held in a trust since June 2023.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Trust Names on File
Mailing Address	32730 420TH PL, AITKIN, MN 56431-4733
Owner Type	Individual
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2023	Deed of Trust, Mortgage · Conventional Mortgage STAUNTON FINANCIAL INC
Jun 16, 2023	Warranty Deed, Transfer MASON BURGESS TITLE AGENCY
Jun 17, 2021	Warranty Deed, Transfer · Conventional Mortgage MID-AMERICAN MORTGAGE INC
Jun 12, 2019	Deed of Trust, Mortgage FINANCIAL PLUS CU
Feb 28, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2023 · Amount on File
Deed Sale	Jun 16, 2023 · Amount on File
Prior Sale	Jun 17, 2021 · Amount on File
Deed Book / Page	3354 / 980
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	1325 2ND ST, LAPEER, MI 48446-1271
Transaction Type	Mortgage
Record Updated	Sep 20, 2023
Title Company	CAPITAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32730 420TH PL, AITKIN, MN 56431-4733

Mortgage

Document Number	0033630410
Date	Aug 14, 2023
Book Page	3363/410

Lender

Name	STAUNTON FINANCIAL INC
Type	Mortgage Company
Address	SOUTHFIELD, MI 48075

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jul 1, 2053

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Jun 16, 2023
Property Address	1325 2ND ST, LAPEER, MI 48446-1271
Document Number	0033540980
Book / Page	3354 / 980
Map Reference	LB 1 PG 100
Instrument Date	Jun 14, 2023
Transaction Type	Transfer
Record Updated	Jul 25, 2023
Title Company	MASON BURGESS TITLE AGENCY

Transaction

Amount	Amount on Record
Tax	$1,350.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1325 2ND ST, LAPEER, MI 48446-1271

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	32730 420TH PL, AITKIN, MN 56431-4733

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Jun 17, 2021
Property Address	1325 2ND ST, LAPEER, MI 48446-1271
Document Number	0032120748
Book / Page	3212 / 748
Map Reference	LB 1 PG 100
Instrument Date	Jun 17, 2021
Transaction Type	Transfer
Record Updated	Jul 21, 2021
Title Company	NOT AVAILABLE, LCT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5705 REYNOLDS RD, 5705, IMLAY CITY, MI 48444-9708

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10106 SPRINGFIELD CIR, DAVISBURG, MI 48350-1157

Mortgage

Document Number	3212750
Date	Jun 17, 2021
Instrument	3212/750

Lender

Name	MID-AMERICAN MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	1325 2ND ST, LAPEER, MI 48446-1271
Document Number	0030280707
Instrument Date	Jun 12, 2019
Transaction Type	Mortgage
Record Updated	Jul 19, 2019
Title Company	TRANSACTION TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5705 REYNOLDS RD IMLAY CITY MI 484449708, IMLAY CITY, MI 48444-9708

Mortgage

Document Number	0030280707
Date	Jun 14, 2019
Book Page	003028/000707

Lender

Name	FINANCIAL PLUS CU
Type	Credit Union
Address	FLINT, MI 48507

Agreement

Amount	Amount on Record

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAPEER MI
Recording Date	Feb 28, 2017
Property Address	1325 2ND ST, LAPEER, MI 48446-1271
Document Number	0028800085
Book / Page	002880 / 000085
Instrument Date	Feb 16, 2017
Transaction Type	Transfer
Record Updated	Jun 30, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5705 REYNOLDS RD IMLAY CITY MI 484449708, IMLAY CITY, MI 48444-9708

Tax Assessment & Valuation

The 2025 property tax bill for 1325 2nd St was $3,590, up 3.2% 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		$78,800 (+2.47%)	$157,600 (+2.47%)
2025	$3,590.00 (+3.19%) Homeowner's exemption	$76,900	$153,800
2024	$3,479.00
2023		$65,500	$131,000
2022	$1,807.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1325 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 1325 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.

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