3190 Ritchie Rd, Metamora, MI 48455 Property Records

Lapeer County property record for 3190 Ritchie Rd, Metamora, MI 48455

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,200 sqft · built 1968
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$160,000 (Aug 1996)
Tax Bill	$1,950 (2025)
Deeds & Mortgages	Jun 2026 Sale Nov 2018 Refinance
Flood Zone	Zone X (minimal risk)
APN	`010-012-014-00`

Property Details

APN / Parcel Number

Primary APN	`010-012-014-00`

Interior

Full Baths	1 Bath
Building Area	1,200 sqft Living Area
1st Floor Area	1,200 sqft
Basement Area	1,200 sqft
Unfinished Basement	1,200 sqft
Flooring	Carpet

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Lot Area	435,600 sqft (10 acres)
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	3190 RITCHIE RD
City	METAMORA
State	MI
Zip	48455-9718
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	SEC 12 T6N R9E SW 1/4 OF NE 1/4 EX W 14.96 A THEREOF & EX E 495 FT THEREOF. 10 A.
Legal Range	09E
Legal Township	06N
Legal Section	12
Jurisdiction	LAPEER MI
Township / Civil Division	HADLEY
Census Block Group	2
Census Block	2000
Census Tract	342000

Owner

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	2 Individual Names on Record
Mailing Address	3190 RITCHIE RD, METAMORA, MI 48455-9718
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Nov 7, 2018	Deed of Trust, Mortgage · Stand-Alone Refinance THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 1996 · Amount on Record
Deed Sale	Aug 6, 1996 · Amount on Record
Prior Sale	Nov 18, 1993 · Amount on Record
Deed Book / Page	966 / 771
Last Transfer Date	May 12, 2007
Transfer Doc	0022590953
Record Updated	Oct 29, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	LAPEER MI
Recording Date	Jun 1, 2026
Property Address	3190 RITCHIE RD, METAMORA, MI 48455-9718
Document Number	3522000897
Book / Page	3522 / 897
Instrument Date	Jun 1, 2026
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	3190 RITCHIE RD, METAMORA, MI 48455-9718

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	3190 RITCHIE RD, METAMORA, MI 48455-9718
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029940101
Date	Nov 7, 2018
Book Page	2994/101

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$138,100 (+9.08%)	$276,200 (+9.08%)
2025	$1,950.00 (+4.17%) Homeowner's exemption	$126,600 (+19.66%)	$253,200 (+19.66%)
2024	$1,872.00 (+10.57%)
2023		$105,800	$211,600
2022	$1,693.00

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

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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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