278 Gray Rd, Lapeer, MI 48446 Property Records

Lapeer County property record for 278 Gray Rd, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,853 sqft · built 2003
Lot Size	2.35 acres (102,366 sqft)
Owner	2 Individual Names on Record
Last Sale	$243,000 (Aug 2016)
Tax Bill	$1,250 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`008-002-009-10`

Property Details

APN / Parcel Number

Primary APN	`008-002-009-10`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,853 sqft Living Area
1st Floor Area	1,677 sqft
Basement Area	1,677 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Lot Area	102,366 sqft (2.35 acres)
Garage Area	484 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	278 GRAY RD
City	LAPEER
State	MI
Zip	48446-2851
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	SEC 2 T7N R9E PARCEL H BEG AT W 1/4 POST; TH N 160 FT; TH S 88 DEG E 640 FT; TH S 160 FT; TH N 88 DEG W 640 FT TO POB. 2.35
Legal Range	09E
Legal Township	07N
Legal Section	02
Jurisdiction	LAPEER MI
Township / Civil Division	ELBA
Census Block Group	1
Census Block	1002
Census Tract	336000

Owner

Source: Lapeer County records, as of May 27, 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	278 GRAY RD, LAPEER, MI 48446-2851
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage PACOR MORTGAGE CORP
Apr 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage PACOR MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 8, 2016 · Amount on Record
Deed Sale	Aug 8, 2016 · Amount on Record
Prior Sale	Sep 2, 2003 · Amount on Record
Deed Book / Page	2842 / 793
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	278 GRAY RD, LAPEER, MI 48446-2851
Transaction Type	Mortgage
Record Updated	Oct 27, 2021
Title Company	ATA NATIONAL TITLE GROUP LLC, ATA NATIONAL TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	278 GRAY RD, LAPEER, MI 48446-2851

Mortgage

Document Number	0032380842
Date	Sep 22, 2021
Book Page	3238/842

Lender

Name	PACOR MORTGAGE CORP
Type	Mortgage Company
Address	OAK FOREST, IL 60452

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	278 GRAY RD, LAPEER, MI 48446-2851
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ATA NATIONAL TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030970791
Date	Apr 29, 2020
Book Page	3097/791

Lender

Name	PACOR MORTGAGE CORP
Type	Mortgage Company
Address	OAK FOREST, IL 60452

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

Source: Lapeer County assessment roll, as of August 14, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,250.00 (-50.92%) Homeowner's exemption	$172,600 (+14.91%)	$345,200 (+14.91%)
2023		$150,200	$300,400
2022	$2,547.00

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

Flood

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
Nearby Flood Claims	2 (1998–2013)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Feb 2013 · rainfall accumulation

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

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	Direct burnable vegetation

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 36 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
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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