215 Gray Rd, Lapeer, MI 48446 Property Records

Lapeer County property record for 215 Gray Rd, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,264 sqft · built 1974
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on File
Last Sale	$157,000 (Aug 2008)
Tax Bill	$2,716 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Sep 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`008-003-007-00`

Property Details

APN / Parcel Number

Primary APN	`008-003-007-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,264 sqft Living Area
1st Floor Area	1,692 sqft
Basement Area	1,132 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Lot Area	435,600 sqft (10 acres)
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	215 GRAY RD
City	LAPEER
State	MI
Zip	48446-2850
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	08 03 807 000 00 SEC 3 T7N R9E S 1/2 OF N 1/2 OF NE 1/4 OF SE 1/4. 10 A.
Legal Range	09E
Legal Township	07N
Legal Section	03
Jurisdiction	LAPEER MI
Township / Civil Division	ELBA
Census Block Group	1
Census Block	1003
Census Tract	336000

Owner

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 Individual Names on File
Mailing Address	215 GRAY RD, LAPEER, MI 48446-2850
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Sep 22, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2008 · Amount on File
Deed Sale	Aug 21, 2008 · Amount on File
Prior Sale	Mar 7, 2007 · Amount on File
Deed Book / Page	2346 / 519
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	215 GRAY RD, LAPEER, MI 48446-2850
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	215 GRAY RD, LAPEER, MI 48446-2850

Mortgage

Document Number	0031580586
Date	Dec 21, 2020
Book Page	3158/586

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Dec 1, 2045

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	215 GRAY RD, LAPEER, MI 48446-2850
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	215 GRAY RD, LAPEER, MI 48446-2850

Mortgage

Document Number	0032380871
Date	Sep 22, 2021
Book Page	3238/871

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 29, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Lapeer County assessment roll, as of September 24, 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		$188,600 (+6.13%)	$377,200 (+6.13%)
2025	$2,716.00 (+14.74%) Homeowner's exemption	$177,700 (+25.05%)	$355,400 (+25.05%)
2023		$142,100	$284,200
2022	$2,367.00

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 · 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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