230 E Oregon St, Lapeer, MI 48446 Property Records

Lapeer County property record for 230 E Oregon St, Lapeer, MI 48446 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,064 sqft · built 1993
Lot Size	0.196 acres (8,538 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Jun 2026)
Tax Bill	$1,398 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Mar 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`L20-85-702-040-00`

Property Details

APN / Parcel Number

Primary APN	`L20-85-702-040-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,064 sqft Living Area
1st Floor Area	1,064 sqft
Flooring	Carpet

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Ranch
Lot Area	8,538 sqft (0.196 acres)
Lot Dimensions	120 ft deep x 71 ft wide
Garage Area	320 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	230 E OREGON ST
City	LAPEER
State	MI
Zip	48446-2322
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CITY OF LAPEER, T7N,R10E, SEC 5, COM N89*13'31E ALG S LN OF OREGON ST 71.78 FT FRM E LN OF LYLE ST
Legal Range	10E
Legal Township	07N
Legal Section	05
Jurisdiction	LAPEER MI
Township / Civil Division	LAPEER
Census Block Group	3
Census Block	3002
Census Tract	337500

Owner

Source: Lapeer County records · APN L20-85-702-040-00

Assessment roll updated August 14, 2025 · Last verified July 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 File
Mailing Address	54 S BROADWAY ST, LAKE ORION, MI 48362-3177
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2026	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 INCORPORATED
Mar 14, 2024	Deed of Trust, Mortgage · Line of Credit CHOICEONE BANK
Mar 27, 2023	Deed of Trust, Mortgage · Line of Credit CHOICEONE BANK
Sep 07, 2022	Warranty Deed, Transfer · Conventional Mortgage NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 22, 2026 · Amount on Record
Deed Sale	Jun 22, 2026 · Amount on Record
Prior Sale	Sep 07, 2022 · Amount on Record
Deed Document Number	2026
Deed Book / Page	3526 / 697
Prior Transfer Date	Jan 27, 2003
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Jun 22, 2026
Property Address	230 E OREGON ST, LAPEER, MI 48446-2322
Document Number	3526000697
Book / Page	3526 / 697
Instrument Date	Jun 17, 2026
Transaction Type	Transfer
Record Updated	Jul 10, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$151,500.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 S BROADWAY ST, LAKE ORION, MI 48362-3177

Mortgage

Document Number	3527000134,
Date	Jun 22, 2026
Book Page	3527/134

Lender

Name	MORTGAGE 1 INCORPORATED

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	230 E OREGON ST, LAPEER, MI 48446-2322
Transaction Type	Mortgage
Record Updated	Apr 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	230 E OREGON ST, LAPEER, MI 48446-2322

Mortgage

Document Number	0033920063
Date	Mar 14, 2024
Book Page	3392/63

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	Feb 21, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	230 E OREGON ST, LAPEER, MI 48446-2322
Transaction Type	Mortgage
Record Updated	May 04, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	230 E OREGON ST, LAPEER, MI 48446-2322

Mortgage

Document Number	0033430405
Date	Mar 27, 2023
Book Page	3343/405

Lender

Name	CHOICEONE BANK
Type	Bank
Address	LAPEER, MI 48446

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 07, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Sep 07, 2022
Property Address	230 E OREGON ST, LAPEER, MI 48446-2322
Document Number	0033150232
Book / Page	3315 / 232
Instrument Date	Sep 01, 2022
Transaction Type	Transfer
Record Updated	Oct 11, 2022
Title Company	UNITED TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	230 E OREGON ST, 230, LAPEER, MI 48446-2322

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	230 E OREGON ST, LAPEER, MI 48446-2322

Mortgage

Document Number	0003315235
Date	Sep 07, 2022
Instrument	3315/235

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2052

Tax Assessment & Valuation

Source: Lapeer County records · Assessment roll updated August 14, 2025 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Lapeer County
Municipality	Lapeer City
Unified School District	Lapeer Community Schools (KG - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,398.00 (-31.4%) Homeowner's exemption	$76,800 (+16.36%)	$153,600 (+16.36%)
2024	$2,038.00 (+39.97%)
2023		$66,000	$132,000
2022	$1,456.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lapeer County (26087C), updated May 4, 2016 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 260873375003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Nearby Flood Policies	6 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 246 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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