276 E Oregon St, Lapeer, MI 48446 Property Records

Lapeer County property record for 276 E Oregon St, Lapeer, MI 48446 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,609 sqft · built 1900
Lot Size	0.201 acres (8,756 sqft)
Owner	2 Individual Names on File
Last Sale	$150,000 (Nov 2023)
Tax Bill	$1,414 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Nov 2023 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`L20-83-400-040-00`

Property Details

APN / Parcel Number

Primary APN	`L20-83-400-040-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,609 sqft Living Area
1st Floor Area	1,234 sqft
Basement Area	1,234 sqft
Flooring	Carpet

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	8,756 sqft (0.201 acres)
Lot Dimensions	130 ft deep x 67.5 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	276 E OREGON ST
City	LAPEER
State	MI
Zip	48446-2333
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CITY OF LAPEER T7N, R10E, SEC 4 COM S01*36'12E 33 FT FRM NW COR OF SEC
Legal Range	10E
Legal Township	07N
Legal Section	04
Jurisdiction	LAPEER MI
Township / Civil Division	LAPEER
Census Block Group	3
Census Block	3003
Census Tract	337500

Owner

Source: Lapeer County records · APN L20-83-400-040-00

Assessment roll updated August 14, 2025 · Last verified June 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	276 E OREGON ST, LAPEER, MI 48446-2333
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage CHOICEONE BANK
Nov 13, 2023	Warranty Deed, Transfer · Conventional Mortgage CHOICEONE BANK
Aug 14, 2023	Intrafamily Transfer, Transfer
May 24, 2023	Sheriff's Deed, Foreclosure
Feb 12, 2021	Intrafamily Transfer, Transfer STERLING TITLE AGENCY
Feb 01, 2021	Warranty Deed, Transfer · Conventional Mortgage CASON HOME LOANS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 13, 2023 · Amount on Record
Deed Sale	Nov 13, 2023 · Amount on Record
Prior Sale	May 24, 2023 · Amount on Record
Deed Book / Page	3376 / 224
Prior Transfer Date	Aug 04, 2023
Prior Transfer Doc	0033630288
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Recording Date	Apr 22, 2026
Property Address	276 E OREGON ST, LAPEER, MI 48446-2333
Document Number	3516000013
Book / Page	3516 / 13
Instrument Date	Apr 17, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	276 E OREGON ST, LAPEER, MI 48446-2333

Mortgage

Document Number	3516000013,
Date	Apr 22, 2026
Book Page	3516/13

Lender

Name	CHOICEONE BANK

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Nov 13, 2023
Property Address	276 E OREGON ST, LAPEER, MI 48446-2333
Document Number	0033760224
Book / Page	3376 / 224
Instrument Date	Oct 31, 2023
Transaction Type	Transfer
Record Updated	Dec 19, 2023

Transaction

Amount	Amount Recorded
Tax	$1,125.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	276 E OREGON ST, LAPEER, MI 48446-2333

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2151 BEARANGER RD, LAPEER, MI 48446-8341

Mortgage

Document Number	0000337571
Date	Nov 13, 2023
Instrument	3375/71

Lender

Name	CHOICEONE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2053

Mortgage

Document Number	0033750071
Date	Nov 02, 2023
Book Page	3375/71

Lender

Name	CHOICEONE BANK
Type	Bank
Address	PO BOX 186, SPARTA, MI 49345

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2053

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAPEER MI
Recording Date	Aug 14, 2023
Property Address	276 E OREGON ST, LAPEER, MI 48446-2333
Document Number	0033630288
Book / Page	3363 / 288
Instrument Date	Aug 04, 2023
Transaction Type	Transfer
Record Updated	Sep 20, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	860 LINCOLN ST, LAPEER, MI 48446-1854

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	276 E OREGON ST, LAPEER, MI 48446-2333

May 2023: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	LAPEER MI
Recording Date	May 24, 2023
Property Address	276 E OREGON ST, LAPEER, MI 48446-2333
Document Number	0033510162
Book / Page	3351 / 162
Instrument Date	May 17, 2023
Transaction Type	Foreclosure
Record Updated	Jun 29, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3043 TOWNSGATE RD # 200, 200, WESTLAKE VILLAGE, CA 91361-3027

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAPEER MI
Recording Date	Feb 12, 2021
Property Address	276 E OREGON ST, LAPEER, MI 48446-2333
Document Number	0031740696
Book / Page	3174 / 696
Instrument Date	Feb 11, 2021
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	STERLING TITLE AGENCY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	276 E OREGON ST, LAPEER, MI 48446-2333

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Feb 01, 2021
Property Address	276 E OREGON ST, LAPEER, MI 48446-2333
Document Number	0031700779
Book / Page	3170 / 779
Instrument Date	Jan 14, 2021
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	LAWYERS TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,087.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	276 E OREGON ST, 276, LAPEER, MI 48446-2333

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	276 E OREGON ST, LAPEER, MI 48446-2333

Mortgage

Document Number	0031690534
Date	Jan 28, 2021
Book Page	3169/534

Lender

Name	CASON HOME LOANS
Type	Mortgage Company
Address	NORTH PALM BEACH, FL 33408

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2051

Tax Assessment & Valuation

Source: Lapeer County records · Assessment roll updated August 14, 2025 · Last verified June 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	$1,414.00 (-31.43%) Homeowner's exemption	$77,100 (+17.71%)	$154,200 (+17.71%)
2024	$2,062.00 (+4.25%)
2023		$65,500	$131,000
2022	$1,978.00

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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