Lapeer County property record for 1860 Gardner Dr, Lapeer, MI 48446
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,283 sqft · built 2003 |
| Lot Size | 0.826 acres (35,981 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $131,000 (Jul 2008) |
| Deeds & Mortgages | Dec 2021 Mortgage May 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 014-331-031-00 |
| Primary APN | 014-331-031-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,283 sqft Living Area |
| 1st Floor Area | 1,283 sqft |
| Basement Area | 1,283 sqft |
| Unfinished Basement | 1,283 sqft |
| Flooring | Carpet |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Ranch |
| Lot Area | 35,981 sqft (0.826 acres) |
| Lot Dimensions | 180 ft deep x 200 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1860 GARDNER DR |
|---|---|
| City | LAPEER |
| State | MI |
| Zip | 48446-7725 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | T8N R10E MAYFIELD GARDENS #1 LOTS 31 & 32. |
| Legal Subdivision | MAYFIELD GARDENS NO 1 |
| Legal Lot Number | 31-32 |
| Jurisdiction | LAPEER MI |
| Township / Civil Division | MAYFIELD |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 334000 |
1860 Gardner Dr is owned and occupied by two individuals who bought it in July 2008.
Source: Lapeer County records, as of September 24, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1860 GARDNER DR, LAPEER, MI 48446-7725 |
| 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 |
|---|---|
| Dec 15, 2021 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| May 8, 2020 | Deed of Trust, Mortgage · VA Mortgage FIRST FEDERAL BANK |
| Jul 8, 2019 | Deed of Trust, Mortgage · VA Mortgage CBC NAT'L BK MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 21, 2008 · Amount on File |
| Deed Sale | Jul 21, 2008 · Amount on File |
| Prior Sale | Apr 18, 2007 · Amount on File |
| Deed Book / Page | 2341 / 939 |
| Prior Transfer Date | May 4, 2007 |
| Prior Transfer Doc | 0022600005 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 1860 GARDNER DR, LAPEER, MI 48446-7725 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1860 GARDNER DR, LAPEER, MI 48446-7725 |
| Document Number | 0032600490 |
|---|---|
| Date | Dec 15, 2021 |
| Book Page | 3260/490 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 1860 GARDNER DR, LAPEER, MI 48446-7725 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0030990847 |
|---|---|
| Date | May 8, 2020 |
| Book Page | 3099/847 |
| Name | FIRST FEDERAL BANK |
|---|---|
| Type | Bank |
| Address | ALPHARETTA, GA 30022 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 1860 GARDNER DR, LAPEER, MI 48446-7725 |
| Document Number | 0030340935 |
| Instrument Date | Jul 8, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2019 |
| Title Company | ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE CO |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1860 GARDNER DR LAPEER MI 484467725, LAPEER, MI 48446-7725 |
| Document Number | 0030340935 |
|---|---|
| Date | Jul 16, 2019 |
| Book Page | 003034/000935 |
| Name | CBC NAT'L BK MTG |
|---|---|
| Address | ALPHARETTA, GA 30022 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 15, 2049 |
Source: Lapeer County assessment roll, as of September 24, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Lapeer County |
| County Subdivision | Mayfield Township |
| Unified School District | Lapeer Community Schools (KG - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2026 | $124,400 | $248,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1860 Gardner Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 in force |
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 risk around 1860 Gardner 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 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.
Source: FCC Broadband Data Collection, based on 100 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures