1995 Smith Rd, Lapeer, MI 48446 Property Records

Lapeer County property record for 1995 Smith Rd, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Lot Size	10.9 acres (474,804 sqft)
Owner	2 Individual Names on Record
Last Sale	$289,000 (Jan 2019)
Tax Bill	$4,606 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`017-025-002-00`

Property Details

APN / Parcel Number

Primary APN	`017-025-002-00`

Interior

Flooring	Carpet

Exterior

Lot Area	474,804 sqft (10.9 acres)

Location & Zoning

Street Address	1995 SMITH RD
City	LAPEER
State	MI
Zip	48446-7645
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 25 T8N R9E; OREGON TOWNSHIP, LAPEER COUNTY, MI; BEG AT A PT THAT IS S 333.12 FT FROM THE N 1/4 COR OF SEC 25;TH W 500.04
Legal Range	09E
Legal Township	08N
Legal Section	25
Jurisdiction	LAPEER MI
Township / Civil Division	OREGON
Census Block Group	1
Census Block	1006
Census Tract	334500

Owner

Source: Lapeer County records, as of September 24, 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 Record
Mailing Address	1995 SMITH RD, LAPEER, MI 48446-7645
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2022	Deed of Trust, Mortgage · Line of Credit DORT FINANCIAL CU
Mar 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 8, 2019 · Amount on Record
Deed Sale	Jan 8, 2019 · Amount on Record
Prior Sale	Oct 8, 1999 · Amount on Record
Deed Document Number	201931
Deed Book / Page	3003 / 744
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	1995 SMITH RD, LAPEER, MI 48446-7645
Transaction Type	Mortgage
Record Updated	Sep 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1995 SMITH RD, LAPEER, MI 48446-7645

Mortgage

Document Number	0033070916
Date	Aug 1, 2022
Book Page	3307/916

Lender

Name	DORT FINANCIAL CU
Type	Credit Union
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	1995 SMITH RD, LAPEER, MI 48446-7645
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030870997
Date	Mar 19, 2020
Book Page	3087/997

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

Source: Lapeer County assessment roll, as of September 24, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$300,700 (-2.97%)	$601,400 (-2.97%)
2025	$4,606.00 (+14.95%) Homeowner's exemption	$309,900 (+19.51%)	$619,800 (+19.51%)
2023		$259,300	$518,600
2022	$4,007.00

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

Flood

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

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

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Bitwise Fixed Wireless	25 / 5

May also be available: AT&T, Spectrum, T-Mobile.

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