210 Gray Rd, Lapeer, MI 48446 Property Records

Lapeer County property record for 210 Gray Rd, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,596 sqft · built 1988
Lot Size	10 acres (436,471 sqft)
Owner	2 Individual Names on Record
Last Sale	$465,000 (Apr 2024)
Tax Bill	$4,122 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Feb 2024 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`008-002-010-10`

Property Details

APN / Parcel Number

Primary APN	`008-002-010-10`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,596 sqft Living Area
1st Floor Area	1,128 sqft
Basement Area	936 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Lot Area	436,471 sqft (10 acres)
Garage Area	768 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	210 GRAY RD
City	LAPEER
State	MI
Zip	48446-2851
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	SEC 2 T7N R9E PARCEL B BEG 336 FT S OF W 1/4 COR TH S 336 FT THE E 1299.34 FT TH N 336 FT TH W 1299.26 FT TO POB. 10.021 A.
Legal Range	09E
Legal Township	07N
Legal Section	02
Jurisdiction	LAPEER MI
Township / Civil Division	ELBA
Census Block Group	1
Census Block	1021
Census Tract	336000

Owner

Source: Lapeer County records, 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 Record
Mailing Address	210 GRAY RD, LAPEER, MI 48446-2851
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2024	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU
Feb 28, 2024	Intrafamily Transfer, Transfer
Jul 11, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 2024 · Amount on Record
Deed Sale	Apr 9, 2024 · Amount on Record
Deed Book / Page	3395 / 930
Prior Transfer Date	Feb 9, 2024
Record Updated	Sep 20, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	210 GRAY RD, LAPEER, MI 48446-2851
Transaction Type	Mortgage
Record Updated	Apr 16, 2024
Title Company	MASON BURGESS TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3918 HENRY ROWELL RD, PLANT CITY, FL 33567-3103

Mortgage

Document Number	0033910467
Date	Mar 11, 2024
Book Page	3391/467

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	4027 LAKE DR SE, GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2031
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	11.8%
Index	1-Year CMT
Max Rate	11.8%

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAPEER MI
Recording Date	Feb 28, 2024
Property Address	210 GRAY RD, LAPEER, MI 48446-2851
Document Number	0033890270
Book / Page	3389 / 270
Instrument Date	Feb 9, 2024
Transaction Type	Transfer
Record Updated	Apr 25, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	210 GRAY RD, LAPEER, MI 48446-2851

Transferred To (Grantee/Buyer)

Name	Verified Name

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAPEER MI
Recording Date	Jul 11, 2018
Property Address	210 GRAY RD, LAPEER, MI 48446-2851
Document Number	0029710359
Book / Page	002971 / 000359
Instrument Date	Jul 10, 2018
Transaction Type	Transfer
Record Updated	Aug 21, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	210 GRAY RD LAPEER MI 484462851, LAPEER, MI 48446-2851

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		$195,900 (+6.24%)	$391,800 (+6.24%)
2025	$4,122.00 (+78.75%) Homeowner's exemption	$184,400 (+24.76%)	$368,800 (+24.76%)
2024	$2,306.00 (+9.91%)
2023		$147,800	$295,600
2022	$2,098.00

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
Nearby Flood Claims	2 (1998–2013)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Feb 2013 · rainfall accumulation

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

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 36 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 DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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