2862 Klam Rd, Lapeer, MI 48446 Property Records

Lapeer County property record for 2862 Klam Rd, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Lot Size	9.81 acres (427,324 sqft)
Owner	2 Individual Names on File
Last Sale	$263,500 (Oct 2021)
Tax Bill	$2,785 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Oct 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`017-014-019-00`

Property Details

APN / Parcel Number

Primary APN	`017-014-019-00`

Interior

Flooring	Carpet

Exterior

Lot Area	427,324 sqft (9.81 acres)

Location & Zoning

Street Address	2862 KLAM RD
City	LAPEER
State	MI
Zip	48446-9107
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 14 T8N R9E COM AT NW COR OF SEC, TH S 0 DEG 30' E 882.88 FT FOR BEG, TH N 89 DEG 36' 30 E 979.15 FT, S 0 DEG 22' E 434.88
Legal Range	09E
Legal Township	08N
Legal Section	14
Jurisdiction	LAPEER MI
Township / Civil Division	OREGON
Census Block Group	1
Census Block	1005
Census Tract	334500

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	2862 KLAM RD, LAPEER, MI 48446-9107
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2022	Deed of Trust, Mortgage · Line of Credit LAKE MICHIGAN CU
Oct 21, 2021	Warranty Deed, Transfer · Conventional Mortgage CASON HOME LOANS
Jul 9, 2018	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 21, 2021 · Amount on File
Deed Sale	Oct 21, 2021 · Amount on File
Deed Book / Page	3246 / 677
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	2862 KLAM RD, LAPEER, MI 48446-9107
Transaction Type	Mortgage
Record Updated	Feb 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2862 KLAM RD, LAPEER, MI 48446-9107

Mortgage

Document Number	0033310988
Date	Dec 27, 2022
Book Page	3331/988

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	48512

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Dec 15, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Oct 21, 2021
Property Address	2862 KLAM RD, LAPEER, MI 48446-9107
Document Number	0032460677
Book / Page	3246 / 677
Instrument Date	Sep 28, 2021
Transaction Type	Transfer
Record Updated	Nov 25, 2021
Title Company	TRANSNATION TITLE INSURANCE COMPANY, TRANSNATION TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,976.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2862 N LAPEER RDKLAM, 2862, LAPEER, MI 48446

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5402 GATEWAY CTR, FLINT, MI 48507-3918

Mortgage

Document Number	3246679
Date	Oct 21, 2021
Instrument	3246/679

Lender

Name	CASON HOME LOANS
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	2862 KLAM RD, LAPEER, MI 48446-9107
Document Number	0029720660
Instrument Date	Jul 9, 2018
Transaction Type	Mortgage
Record Updated	Aug 28, 2018
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2862 KLAM RD LAPEER MI 484469107, LAPEER, MI 48446-9107

Mortgage

Document Number	0029720660
Date	Jul 18, 2018
Book Page	002972/000660

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 17, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$141,500 (-2.41%)	$283,000 (-2.41%)
2025	$2,785.00 (+14.75%) Homeowner's exemption	$145,000 (+16.84%)	$290,000 (+16.84%)
2023		$124,100	$248,200
2022	$2,427.00

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

Source: FEMA National Flood Hazard Layer, effective May 4, 2016

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Bitwise Fixed Wireless	25 / 5

Cell Coverage

5G (outdoors only) and 4G LTE

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