2205 N Five Lakes Rd, Lapeer, MI 48446 Property Records

Lapeer County property record for 2205 N Five Lakes Rd, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,011 sqft · built 1984
Lot Size	13.2 acres (575,166 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,922 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Nov 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`014-024-009-00`

Property Details

APN / Parcel Number

Primary APN	`014-024-009-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,011 sqft Living Area
1st Floor Area	2,011 sqft
Basement Area	2,011 sqft
Unfinished Basement	2,011 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Ranch
Lot Area	575,166 sqft (13.2 acres)
Garage Area	1,680 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	2205 N FIVE LAKES RD
City	LAPEER
State	MI
Zip	48446-8365
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	SEC 24 T8N R10E BEG N 00-14-56 E 1642.02 FT ALONG E SEC LN & N 45-54-19 W 586.51 FT ALONG CNTRLN FROM SE COR; TH N 45-54-19 W
Legal Range	10E
Legal Township	08N
Legal Section	24
Jurisdiction	LAPEER MI
Township / Civil Division	MAYFIELD
Census Block Group	3
Census Block	3011
Census Tract	333500

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	2205 N FIVE LAKES RD, LAPEER, MI 48446-8365
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2023	Deed of Trust, Mortgage · Line of Credit CHOICEONE BANK
Nov 2, 2018	Deed of Trust, Mortgage · Line of Credit LAKESTONE BK&TR
Jan 4, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Nov 20, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 8, 2017
Transfer Doc	0029310300
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	2205 N FIVE LAKES RD, LAPEER, MI 48446-8365
Transaction Type	Mortgage
Record Updated	Jan 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2205 N FIVE LAKES RD, LAPEER, MI 48446-8365

Mortgage

Document Number	0033800321
Date	Dec 13, 2023
Book Page	3380/321

Lender

Name	CHOICEONE BANK
Type	Bank
Address	637 S MAIN ST, LAPEER, MI 48446

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Nov 22, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	2205 N FIVE LAKES RD, LAPEER, MI 48446-8365
Document Number	0029940270
Instrument Date	Nov 2, 2018
Transaction Type	Mortgage
Record Updated	Dec 14, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2205 N FIVE LAKES RD LAPEER MI 484468365, LAPEER, MI 48446-8365

Mortgage

Document Number	0029940270
Date	Nov 7, 2018
Book Page	002994/000270

Lender

Name	LAKESTONE BK&TR
Address	LAPEER, MI 48446

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Nov 6, 2028

Interest

Rate Type	Adjustable Rate
Rate	5.25%

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAPEER MI
Recording Date	Jan 4, 2018
Property Address	2205 N FIVE LAKES RD, LAPEER, MI 48446-8365
Document Number	0029390280
Book / Page	002939 / 000280
Instrument Date	Dec 18, 2017
Transaction Type	Transfer
Record Updated	Feb 26, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2205 N FIVE LAKES RD LAPEER MI 484468365, LAPEER, MI 48446-8365

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAPEER MI
Recording Date	Nov 20, 2017
Property Address	2205 N FIVE LAKES RD, LAPEER, MI 48446-8365
Document Number	0029310300
Book / Page	002931 / 000300
Instrument Date	Nov 8, 2017
Transaction Type	Transfer
Record Updated	Jan 3, 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	Life Estate
Address	2205 N FIVE LAKES RD LAPEER MI 484468365, LAPEER, MI 48446-8365

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$234,200 (+6.5%)	$468,400 (+6.5%)
2025	$2,922.00 (+4.13%) Homeowner's exemption	$219,900 (+5.16%)	$439,800 (+5.16%)
2024	$2,806.00 (+10.43%)
2023		$209,100	$418,200
2022	$2,541.00

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 Claims	1 (2001)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2001 · other causes

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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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