3234 Ritchie Rd, Metamora, MI 48455 Property Records

Lapeer County property record for 3234 Ritchie Rd, Metamora, MI 48455

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,075 sqft · built 1989
Lot Size	2.07 acres (90,169 sqft)
Owner	Individual Name on Record
Last Sale	$92,000 (Feb 2009)
Tax Bill	$2,379 (2025)
Deeds & Mortgages	May 2021 Mortgage Oct 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`010-012-015-00`

Property Details

APN / Parcel Number

Primary APN	`010-012-015-00`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,075 sqft Living Area
1st Floor Area	2,075 sqft
Basement Area	1,686 sqft
Unfinished Basement	1,686 sqft
Flooring	Carpet

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Lot Area	90,169 sqft (2.07 acres)
Garage Area	1,200 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3234 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 THE W 150 FT OF S 600 FT OF THE SW 1/4 OF NE 1/4. 2.07 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	Individual Name on Record
Mailing Address	3234 RITCHIE RD, METAMORA, MI 48455-9718
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Oct 18, 2017	Deed of Trust, Mortgage · Line of Credit PNC BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 9, 2009 · Amount on Record
Deed Sale	Feb 9, 2009 · Amount on Record
Prior Sale	Sep 16, 2008 · Amount on Record
Deed Book / Page	2367 / 849
Prior Transfer Date	Sep 3, 2008
Prior Transfer Doc	0023490695
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	3234 RITCHIE RD, METAMORA, MI 48455-9718
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3234 RITCHIE RD, METAMORA, MI 48455-9718

Mortgage

Document Number	0032050141
Date	May 21, 2021
Book Page	3205/141

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

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

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	3234 RITCHIE RD, METAMORA, MI 48455-9718
Document Number	0029260800
Instrument Date	Oct 18, 2017
Transaction Type	Mortgage
Record Updated	Sep 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3234 RITCHIE RD METAMORA MI 484559718, METAMORA, MI 48455-9718

Mortgage

Document Number	0029260800
Date	Oct 27, 2017
Book Page	002926/000800

Lender

Name	PNC BK
Type	Bank
Address	METAMORA, MI 48455

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$208,000 (+9.94%)	$416,000 (+9.94%)
2025	$2,379.00 (+15.15%) Homeowner's exemption	$189,200 (+13.09%)	$378,400 (+13.09%)
2023		$167,300	$334,600
2022	$2,066.00

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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