1986 Baldwin Rd, Lapeer, MI 48446 Property Records

Lapeer County property record for 1986 Baldwin Rd, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,043 sqft · built 2006
Lot Size	1.05 acres (45,738 sqft)
Owner	2 Individual Names on File
Last Sale	$410,000 (Apr 2026)
Tax Bill	$3,188 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Apr 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`008-024-015-00`

Property Details

APN / Parcel Number

Primary APN	`008-024-015-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,043 sqft Living Area
1st Floor Area	2,043 sqft
Basement Area	2,043 sqft
Flooring	Carpet

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Lot Area	45,738 sqft (1.05 acres)
Garage Area	655 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1986 BALDWIN RD
City	LAPEER
State	MI
Zip	48446-9688
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	1986 BALDWIN SEC 24 T7N R9E COM AT SE COR OF SEC TH N 14 RODS TH W 12 RODS TH S 14 RODS TH E 12 RODS TO POB.
Legal Range	09E
Legal Township	07N
Legal Section	24
Jurisdiction	LAPEER MI
Township / Civil Division	ELBA
Census Block Group	3
Census Block	3000
Census Tract	336000

Owner

Source: Lapeer County assessment roll, as of August 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	32015 SAINT MARGARET ST, SAINT CLAIR SHORES, MI 48082-2241
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Apr 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 15, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 15, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 15, 2026 · Amount on Record
Deed Sale	Apr 15, 2026 · Amount on Record
Prior Sale	Oct 17, 2014 · Amount on Record
Deed Book / Page	3514 / 951
Prior Transfer Date	Oct 26, 2015
Prior Transfer Doc	0027940973
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	1986 BALDWIN RD, LAPEER, MI 48446-9688
Transaction Type	Mortgage
Record Updated	Jun 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1986 BALDWIN RD, LAPEER, MI 48446-9688

Mortgage

Document Number	0033010710
Date	Jun 28, 2022
Book Page	3301/710

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	May 25, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Recording Date	Apr 14, 2026
Property Address	1986 BALDWIN RD, LAPEER, MI 48446-9688
Document Number	3514000675
Book / Page	3514 / 675
Instrument Date	Apr 9, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32015 SAINT MARGARET ST, SAINT CLAIR SHORES, MI 48082-2241

Mortgage

Document Number	3514000675,
Date	Apr 14, 2026
Book Page	3514/675

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Apr 15, 2026
Property Address	1986 BALDWIN RD, LAPEER, MI 48446-9688
Document Number	0035140951
Book / Page	3514 / 951
Instrument Date	Apr 9, 2026
Transaction Type	Transfer
Record Updated	May 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$310,575.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32015 SAINT MARGARET ST, SAINT CLAIR SHORES, MI 48082-2241

Mortgage

Document Number	3514000675,
Date	Apr 15, 2026
Book Page	3514/675

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAPEER MI
Recording Date	Apr 15, 2026
Property Address	1986 BALDWIN RD, LAPEER, MI 48446-9688
Document Number	0035140949
Book / Page	3514 / 949
Instrument Date	Apr 8, 2026
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1986 BALDWIN RD, LAPEER, MI 48446-9688

Tax Assessment & Valuation

Source: Lapeer County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Lapeer County
County Subdivision	Elba Township
Unified School District	Lapeer Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$183,800 (+5.75%)	$367,600 (+5.75%)
2025	$3,188.00 (+4.11%) Homeowner's exemption	$173,800 (-0.97%)	$347,600 (-0.97%)
2024	$3,062.00 (+10.54%)
2023		$175,500	$351,000
2022	$2,770.00

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

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 Policies	1 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

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

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Bitwise Fixed Wireless	25 / 5
AT&T Fixed Wireless	25 / 3

May also be available: Verizon.

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