Lapeer County property record for 286 W Nepessing St, Lapeer, MI 48446
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 7,520 sqft · built 1880 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | Company Name on Record |
| Last Sale | $350,000 (Mar 2015) |
| Deeds & Mortgages | Mar 2019 Mortgage Mar 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | L20-21-400-040-00 |
| Primary APN | L20-21-400-040-00 |
|---|
| Units | 10 Units |
|---|---|
| Stories | 1 Story |
| Building Area | 7,520 sqft Total Area |
| Flooring | Carpet |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Lot Area | 15,682 sqft (0.36 acres) |
| Lot Dimensions | 120 ft deep x 130 ft wide |
| Total Buildings | 3 Buildings |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 286 W NEPESSING ST |
|---|---|
| City | LAPEER |
| State | MI |
| Zip | 48446-2194 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Local Zoning Code | CBD1 CEN B |
| Legal Description | CITY OF LAPEER LAPEER VILLAGE PLAT SWLY 130 FT OF BLK KNOWN AS COURT HOUSE LOT (L=1 P=73 SEC 5, T7N-R10E) |
| Legal Range | 10E |
| Legal Township | 07N |
| Legal Section | 05 |
| Legal Subdivision | LAPEER VILLAGE PLAT |
| Legal Block | KNOWN |
| Jurisdiction | LAPEER MI |
| Township / Civil Division | LAPEER |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 337500 |
Source: Lapeer County records, as of September 24, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 286 W NEPESSING ST, LAPEER, MI 48446-2194 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Mar 7, 2019 | Deed of Trust, Mortgage NOT AVAILABLE |
| Mar 8, 2019 | Grant Deed, Mortgage · Line of Credit LAKESTONE BK&TR |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 12, 2015 · Amount on Record |
| Deed Sale | Mar 12, 2015 · Amount on Record |
| Prior Sale | Mar 24, 1999 · Amount on Record |
| Deed Book / Page | 2755 / 292 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 286 W NEPESSING ST, LAPEER, MI 48446-2194 |
| Document Number | 0030120992 |
| Instrument Date | Mar 7, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 25, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 286 W NEPESSING ST LAPEER MI 484462194, LAPEER, MI 48446-2194 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | LAPEER MI |
| Recording Date | Mar 8, 2019 |
| Property Address | 286 W NEPESSING ST, LAPEER, MI 48446-2194 |
| Document Number | 0030110970 |
| Book / Page | 003011 / 000970 |
| Instrument Date | Feb 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 286 W NEPESSING ST LAPEER MI 484462194, LAPEER, MI 48446-2194 |
| Document Number | 0030110970 |
|---|---|
| Date | Mar 8, 2019 |
| Book Page | 003011/000970 |
| Name | LAKESTONE BK&TR |
|---|---|
| Address | 83 W NEPESSING ST, LAPEER, MI 48446-2101 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Lapeer County assessment roll, as of September 24, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Lapeer County |
| Municipality | Lapeer City |
| Unified School District | Lapeer Community Schools (KG - 12) |
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 Claims | 3 (2009) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Aug 2009 · tidal / storm surge |
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 | Low lower than 97% of the US · lower than 93% of Michigan |
|---|---|
| Wildfire Likelihood | Under 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.
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 419 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Xfinity.
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