301 Gray Rd, Lapeer, MI 48446 Property Records

Lapeer County property record for 301 Gray Rd, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,195 sqft · built 1996
Lot Size	4.9 acres (213,444 sqft)
Owner	2 Individual Names on File
Last Sale	$555,000 (Apr 2024)
Tax Bill	$2,924 (2025)
Deeds & Mortgages	Sep 2022 Mortgage May 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`008-003-004-10`

Property Details

APN / Parcel Number

Primary APN	`008-003-004-10`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	3,195 sqft Living Area
1st Floor Area	2,256 sqft
Basement Area	2,256 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Lot Area	213,444 sqft (4.9 acres)
Garage Area	1,440 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	301 GRAY RD
City	LAPEER
State	MI
Zip	48446-2848
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	THE S 450 FT OF THE E 475 FT OF THE S HALF OF THE NE QUARTER OF FRACTIONAL SEC 3, T7N-R9E 4.90 ACRES (SPLIT FROM -00 4/4/00)
Legal Range	09E
Legal Township	07N
Legal Section	03
Jurisdiction	LAPEER MI
Township / Civil Division	ELBA
Census Block Group	1
Census Block	1003
Census Tract	336000

Owner

Source: Lapeer County records · APN 008-003-004-10

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	19699 CLIFF ST, DETROIT, MI 48234-3180
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 06, 2022	Deed of Trust, Mortgage · Conventional Mortgage ELGA CREDIT UNION
May 28, 2021	Intrafamily Transfer, Transfer
Feb 01, 2021	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Jan 22, 2021	Affidavit of Death, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 24, 2024 · Amount on Record
Deed Sale	Apr 24, 2024 · Amount on Record
Prior Sale	Apr 17, 2024 · Amount on Record
Deed Book / Page	3398 / 272
Prior Transfer Date	Apr 16, 2021
Prior Transfer Doc	0032070333
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	301 GRAY RD, LAPEER, MI 48446-2848
Transaction Type	Mortgage
Record Updated	Oct 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 GRAY RD, LAPEER, MI 48446-2848

Mortgage

Document Number	0033140884
Date	Sep 06, 2022
Book Page	3314/884

Lender

Name	ELGA CREDIT UNION
Type	Credit Union
Address	GRAND BLANC, MI 48439

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Aug 30, 2032

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAPEER MI
Recording Date	May 28, 2021
Property Address	301 GRAY RD, LAPEER, MI 48446-2848
Document Number	0032070333
Book / Page	3207 / 333
Instrument Date	Apr 16, 2021
Transaction Type	Transfer
Record Updated	Jul 07, 2021

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	301 GRAY RD, LAPEER, MI 48446-2848

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Feb 01, 2021
Property Address	301 GRAY RD, LAPEER, MI 48446-2848
Document Number	0031700697
Book / Page	3170 / 697
Instrument Date	Jan 26, 2021
Transaction Type	Transfer
Record Updated	Jul 05, 2021
Title Company	STERLING TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,932.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	301 GRAY RD, 301, LAPEER, MI 48446-2848

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 GRAY RD, LAPEER, MI 48446-2848

Mortgage

Document Number	0031720139
Date	Feb 04, 2021
Book Page	3172/139

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2051

January 2021: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	LAPEER MI
Recording Date	Jan 22, 2021
Property Address	301 GRAY RD, LAPEER, MI 48446-2848
Document Number	0031680312
Book / Page	003168 / 000312
Instrument Date	Jan 22, 2021
Transaction Type	Transfer
Record Updated	Mar 04, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 GRAY RD LINCOLN PARK MI 48146, LINCOLN PARK, MI 48146

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
County Subdivision	Elba Township
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	$2,924.00 (-42.9%) Homeowner's exemption	$305,400 (+19.34%)	$610,800 (+19.34%)
2024	$5,121.00 (+10.22%)
2023		$255,900	$511,800
2022	$4,646.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of May 4, 2016 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Bitwise Fixed Wireless	100 / 10

May also be available: AT&T, Spectrum, T-Mobile USA, Verizon.

Based on FCC filings for 9 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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