Lapeer County property record for 245 E Park St, Lapeer, MI 48446
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,515 sqft · built 1996 |
| Lot Size | 0.225 acres (9,801 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,282 (2024) |
| Deeds & Mortgages | Jun 2026 Mortgage Jun 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | L20-85-500-040-00 |
| Primary APN | L20-85-500-040-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,515 sqft Living Area |
| 1st Floor Area | 1,479 sqft |
| Basement Area | 1,479 sqft |
| Flooring | Carpet |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Ranch |
| Lot Area | 9,801 sqft (0.225 acres) |
| Lot Dimensions | 98 ft deep x 100 ft wide |
| Garage Area | 504 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 245 E PARK ST |
|---|---|
| City | LAPEER |
| State | MI |
| Zip | 48446-2305 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 1 FM |
| Legal Description | CITY OF LAPEER T7N, R10E, SEC 5, NE 1/4 COM N LN OF OREGON ST 162 FT W OF E SEC LN, TH E 42 FT TO W LN OF RAILROAD ST; TH S |
| 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 |
Source: Lapeer County records, as of June 30, 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 | 245 E PARK ST, LAPEER, MI 48446-2305 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 8, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ELGA CREDIT UNION |
| Jun 2, 2021 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC |
| Nov 4, 2019 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS |
| Aug 10, 2018 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 19, 1999 |
| Deed Sale | Mar 19, 1999 |
| Prior Sale | Sep 28, 1990 · Amount on Record |
| Deed Document Number | 19991 |
| Last Transfer Date | Nov 2, 2017 |
| Transfer Doc | 0034560179 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Recording Date | Jun 8, 2026 |
| Property Address | 245 E PARK ST, LAPEER, MI 48446-2305 |
| Document Number | 3524000076 |
| Book / Page | 3524 / 76 |
| Instrument Date | May 28, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 245 E PARK ST, LAPEER, MI 48446-2305 |
| Document Number | 3524000076, |
|---|---|
| Date | Jun 8, 2026 |
| Book Page | 3524/76 |
| Name | ELGA CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 2, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.64% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 245 E PARK ST, LAPEER, MI 48446-2305 |
| Transaction Type | Mortgage |
| Record Updated | Jul 9, 2021 |
| Title Company | COMMONWEALTH USA SETTLEMENTS L, COMMONWEALTH USA SETMNTS LLC |
| Name | Verified Name |
|---|---|
| Address | 245 E PARK ST, LAPEER, MI 48446-2305 |
| Document Number | 0032080062 |
|---|---|
| Date | Jun 2, 2021 |
| Book Page | 3208/62 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FULTON, MD 20759 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 245 E PARK ST, LAPEER, MI 48446-2305 |
| Document Number | 0030610946 |
| Instrument Date | Nov 4, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2020 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 245 E PARK ST LAPEER MI 484462305, LAPEER, MI 48446-2305 |
| Document Number | 0030610946 |
|---|---|
| Date | Nov 18, 2019 |
| Book Page | 003061/000946 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 17, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 245 E PARK ST, LAPEER, MI 48446-2305 |
| Document Number | 0029790156 |
| Instrument Date | Aug 10, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 4, 2018 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 245 E PARK ST LAPEER MI 484462305, LAPEER, MI 48446-2305 |
| Document Number | 0029790156 |
|---|---|
| Date | Aug 17, 2018 |
| Book Page | 002979/000156 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 16, 2048 |
Source: Lapeer County assessment roll, as of August 14, 2025
| Type | Name |
|---|---|
| State | Michigan |
| County | Lapeer County |
| Municipality | Lapeer City |
| Unified School District | Lapeer Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $138,400 | $276,800 | |
| 2024 | $2,282.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF LAPEER serves 9,023 people · EPA ID MI0003780 |
|---|---|
| Water Source | Purchased surface water from GREAT LAKES WATER AUTHORITY |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Jan 2023 |
| Monitoring and Reporting | 11 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 246 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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