2186 S Elba Rd, Lapeer, MI 48446 Property Records

Lapeer County property record for 2186 S Elba Rd, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,676 sqft · built 2022
Lot Size	19.9 acres (869,458 sqft)
Owner	2 Individual Names on File
Last Sale	$65,000 (Sep 2021)
Tax Bill	$7,728 (2025)
Deeds & Mortgages	Dec 2022 Transfer Oct 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`008-029-013-30`

Property Details

APN / Parcel Number

Primary APN	`008-029-013-30`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,676 sqft Living Area
1st Floor Area	1,676 sqft
Basement Area	1,676 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Lot Area	869,458 sqft (19.9 acres)
Garage Area	624 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2186 S ELBA RD
City	LAPEER
State	MI
Zip	48446-9503
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	SEC 29 T7N R9E BEG 335.97 FT N OF CTR OF SEC TH N 335.97 FT TH W 2618 FT TH S 334.56 FT THE 2619.12 FT TO POB. PARCEL C 19.96
Legal Range	09E
Legal Township	07N
Legal Section	29
Jurisdiction	LAPEER MI
Township / Civil Division	ELBA
Census Block Group	4
Census Block	4015
Census Tract	336000

Owner

2186 S Elba Rd is owned and occupied by two individuals who bought it in September 2021.

Source: Lapeer County records, as of September 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	897 N VAN DYKE RD, IMLAY CITY, MI 48444-9406
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2022	Correction Deed
Oct 26, 2021	Deed of Trust, Mortgage GREENSTONE FARM CREDIT SERVICES FLCA
Sep 30, 2021	Deed, Transfer FIDELITY NATIONAL TITLE
Nov 4, 2020	Warranty Deed, Transfer · Conventional Mortgage CHOICEONE BANK
Aug 13, 2019	Warranty Deed, Transfer · Conventional Mortgage LAKE MI CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2021 · Amount on File
Deed Sale	Sep 30, 2021 · Amount on File
Prior Sale	Nov 4, 2020 · Amount on File
Deed Book / Page	3241 / 211
Prior Transfer Date	Sep 29, 2010
Prior Transfer Doc	0024640351
Record Updated	Oct 29, 2026

December 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	LAPEER MI
Recording Date	Dec 1, 2022
Property Address	2186 S ELBA RD, LAPEER, MI 48446-9503
Document Number	0033290002
Book / Page	3329 / 2
Instrument Date	Nov 30, 2022
Record Updated	Jan 2, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1104 CANYON CREEK DR, ROCHESTER HILLS, MI 48306-4281

Transferred To (Grantee/Buyer)

Name	Verified Name

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	2186 S ELBA RD, LAPEER, MI 48446-9503
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	897 N VAN DYKE RD, IMLAY CITY, MI 48444-9406

Mortgage

Document Number	0032470864
Date	Oct 26, 2021
Book Page	3247/864

Lender

Name	GREENSTONE FARM CREDIT SERVICES FLCA
Type	Subprime Lender
Address	EAST LANSING, MI 48823

Agreement

Amount	Amount on Record
Term	370 Months
Due	Aug 1, 2052

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	LAPEER MI
Recording Date	Sep 30, 2021
Property Address	2186 S ELBA RD, LAPEER, MI 48446-9503
Document Number	0032410211
Book / Page	3241 / 211
Instrument Date	Sep 8, 2021
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3515 WEST RD, 3515, EAST LANSING, MI 48823-7312

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1104 CANYON CREEK DR, ROCHESTER HILLS, MI 48306-4281

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Nov 4, 2020
Property Address	2186 S ELBA RD, LAPEER, MI 48446-9503
Document Number	0031430882
Book / Page	3143 / 882
Instrument Date	Oct 30, 2020
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	CISLO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2189 S ELBA RD, 2189, LAPEER, MI 48446-9503

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	897 N VAN DYKE RD, IMLAY CITY, MI 48444-9406

Mortgage

Document Number	0003143884
Date	Nov 4, 2020
Instrument	3143/884

Lender

Name	CHOICEONE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Nov 1, 2025
Change Frequency	Annually
Min Rate At Change	5.5%
Max Rate At Change	7.5%
Index	1-Year CMT
Max Rate	10.5%

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Aug 13, 2019
Property Address	2186 S ELBA RD, LAPEER, MI 48446-9503
Document Number	0030400705
Book / Page	003040 / 000705
Instrument Date	Aug 7, 2019
Transaction Type	Transfer
Record Updated	Sep 25, 2019
Title Company	CISLO TITLE, CISLO TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$975.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4636 THOMAS RD METAMORA MI 484559342, METAMORA, MI 48455-9342

Mortgage

Document Number	30400707
Date	Aug 13, 2019
Book Page	003040/000707

Lender

Name	LAKE MI CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 12, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.99%

Tax Assessment & Valuation

The 2025 property tax bill for 2186 S Elba Rd was $7,728 with a homeowner's exemption.

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		$384,700 (+2.81%)	$769,400 (+2.81%)
2025	$7,728.00 Homeowner's exemption	$374,200	$748,400
2023		$268,900	$537,800
2022	$2,319.00

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

Flood

FEMA maps place 2186 S Elba Rd in Zone X, an area of minimal flood risk.

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	4 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

Wildfire risk around 2186 S Elba Rd 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 95% of the US · lower than 89% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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