2304 Osprey Dr, Lapeer, MI 48446 Property Records

Lapeer County property record for 2304 Osprey Dr, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Lot Size	0.887 acres (38,659 sqft)
Owner	Individual Name on File
Last Sale	$115,000 (May 2016)
Tax Bill	$1,608 (2025)
Deeds & Mortgages	Oct 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`017-560-022-00`

Property Details

APN / Parcel Number

Primary APN	`017-560-022-00`

Interior

Flooring	Carpet

Exterior

Lot Area	38,659 sqft (0.887 acres)

Location & Zoning

Street Address	2304 OSPREY DR
City	LAPEER
State	MI
Zip	48446-9006
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SANDPIPER LOT 22. 100 X 383.79 X 99.95 X 387.14
Legal Subdivision	SANDPIPER
Legal Lot Number	22,100
Jurisdiction	LAPEER MI
Township / Civil Division	OREGON
Census Block Group	1
Census Block	1002
Census Tract	334500

Owner

2304 Osprey Dr is owned and occupied by an individual who bought it in May 2016.

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

Owner of Record	Individual Name on File
Mailing Address	2304 OSPREY DR, LAPEER, MI 48446-9006
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 18, 2016 · Amount on File
Deed Sale	May 18, 2016 · Amount on File
Prior Sale	Nov 7, 2005 · Amount on File
Deed Book / Page	2828 / 38
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	2304 OSPREY DR, LAPEER, MI 48446-9006
Transaction Type	Mortgage
Record Updated	Dec 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2304 OSPREY DR, LAPEER, MI 48446-9006

Mortgage

Document Number	0033230508
Date	Oct 26, 2022
Book Page	3323/508

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 2304 Osprey Dr was $1,608 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	Oregon Township
Unified School District	Lapeer Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$114,200 (+17.73%)	$228,400 (+17.73%)
2025	$1,608.00 Homeowner's exemption	$97,000	$194,000
2023		$86,600	$173,200
2022	$1,406.00

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

Flood

FEMA maps place 2304 Osprey Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 4, 2016

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 2304 Osprey Dr is low, with 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

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 67 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
Starlink Satellite	280 / 30