2646 Bowers Rd, Lapeer, MI 48446 Property Records

Lapeer County property record for 2646 Bowers Rd, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,288 sqft · built 1955
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$212,900 (Sep 2021)
Tax Bill	$81 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Oct 2022 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`012-001-016-10`

Property Details

APN / Parcel Number

Primary APN	`012-001-016-10`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,288 sqft Living Area
1st Floor Area	1,120 sqft
Basement Area	1,120 sqft
Unfinished Basement	1,120 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Lot Area	43,560 sqft (1 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	2646 BOWERS RD
City	LAPEER
State	MI
Zip	48446-3403
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	SEC 1 T7N R10E BEG AT NW COR OF SEC E 1496 FT TO POB. THE E 175 FT TH S 249 FT TH W 175 FT TH N 249 FT TO POB. 1 AC.
Legal Range	10E
Legal Township	07N
Legal Section	01
Jurisdiction	LAPEER MI
Township / Civil Division	LAPEER
Census Block Group	2
Census Block	2000
Census Tract	338000

Owner

2646 Bowers Rd is owned and occupied by an individual who acquired it in October 2022.

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

Owner of Record	Individual Name on File
Mailing Address	2646 BOWERS RD, LAPEER, MI 48446-3403
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
Oct 31, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 10, 2022	Intrafamily Transfer, Transfer
Sep 14, 2021	Warranty Deed, Transfer · VA Mortgage TOWNE MORTGAGE CO
Apr 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 3, 2019	Warranty Deed, Transfer · Conventional with PMI UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 14, 2021 · Amount on File
Deed Sale	Sep 14, 2021 · Amount on File
Prior Sale	Jul 16, 1997 · Amount on File
Deed Book / Page	3236 / 174
Last Transfer Date	Oct 3, 2022
Transfer Doc	0033200665
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	2646 BOWERS RD, LAPEER, MI 48446-3403
Transaction Type	Mortgage
Record Updated	Dec 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2646 BOWERS RD, LAPEER, MI 48446-3403

Mortgage

Document Number	0033240403
Date	Oct 31, 2022
Book Page	3324/403

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAPEER MI
Recording Date	Oct 10, 2022
Property Address	2646 BOWERS RD, LAPEER, MI 48446-3403
Document Number	0033200665
Book / Page	3320 / 665
Instrument Date	Oct 3, 2022
Transaction Type	Transfer
Record Updated	Nov 17, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2646 BOWERS RD, 2646, LAPEER, MI 48446-3403

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2646 BOWERS RD, LAPEER, MI 48446-3403

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Sep 14, 2021
Property Address	2646 BOWERS RD, LAPEER, MI 48446-3403
Document Number	0032360174
Book / Page	3236 / 174
Instrument Date	Aug 30, 2021
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,597.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2646 BOWERS RD, 2646, LAPEER, MI 48446-3403

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1517 BOWERS RD, LAPEER, MI 48446-3135

Mortgage

Document Number	3236176
Date	Sep 14, 2021
Instrument	3236/176

Lender

Name	TOWNE MORTGAGE CO
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	2646 BOWERS RD, LAPEER, MI 48446-3403
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030900459
Date	Apr 6, 2020
Book Page	3090/459

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Sep 3, 2019
Property Address	2646 BOWERS RD, LAPEER, MI 48446-3403
Document Number	0030440666
Book / Page	003044 / 000666
Instrument Date	Aug 27, 2019
Transaction Type	Transfer
Record Updated	Oct 15, 2019
Title Company	SARGENTS TITLE COMPANY, SARGENTS TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$887.60
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9216 HENDERSON RD GOODRICH MI 484389071, GOODRICH, MI 48438-9071

Mortgage

Document Number	30440669
Date	Sep 3, 2019
Book Page	003044/000669

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 2, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 2646 Bowers Rd was $81 with a homeowner's exemption, up 2.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$69,300 (+5.16%)	$138,600 (+5.16%)
2025	$81.00 (+2.53%) Homeowner's exemption	$65,900	$131,800
2024	$79.00
2023		$58,300	$116,600
2022	$1,253.00

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.

Flood

FEMA maps place 2646 Bowers 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	1 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 2646 Bowers Rd 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	None beyond 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 98 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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