34 S Elba Rd, Lapeer, MI 48446 Property Records

Lapeer County property record for 34 S Elba Rd, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,020 sqft · built 1962
Lot Size	0.73 acres (31,799 sqft)
Owner	2 Individual Names on File
Last Sale	$260,000 (May 2026)
Tax Bill	$2,588 (2025)
Deeds & Mortgages	May 2026 Sale Apr 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`008-007-004-00`

Property Details

APN / Parcel Number

Primary APN	`008-007-004-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,020 sqft Living Area
1st Floor Area	2,020 sqft
Basement Area	464 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Lot Area	31,799 sqft (0.73 acres)
Garage Area	400 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	34 S ELBA RD
City	LAPEER
State	MI
Zip	48446-2739
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C1
Legal Description	08 11 801 000 00 SEC 7 T7N R9E THE S 80 FT OF N 300 FT OF E 396 FT OF THE NE 1/4. .73 A.
Legal Range	09E
Legal Township	07N
Legal Section	07
Jurisdiction	LAPEER MI
Township / Civil Division	ELBA
Census Block Group	1
Census Block	1016
Census Tract	336000

Owner

34 S Elba Rd is owned and occupied by two individuals who bought it in May 2026.

Source: Lapeer County records, as of September 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	34 S ELBA RD, LAPEER, MI 48446-2739
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Deeds, Mortgages & Sale History

Date	Document
May 11, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Apr 20, 2026	Deed of Trust, Mortgage · VA Mortgage NAVY FEDERAL CREDIT UNION
Mar 2, 2022	Warranty Deed, Transfer CRISLO TITLE COMPANY, CISLO TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2026 · Amount on File
Deed Sale	May 11, 2026 · Amount on File
Prior Sale	Mar 2, 2022 · Amount on File
Deed Book / Page	3519 / 370
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	May 11, 2026
Property Address	34 S ELBA RD, LAPEER, MI 48446-2739
Document Number	3519000370
Book / Page	3519 / 370
Instrument Date	Apr 16, 2026
Transaction Type	Transfer
Record Updated	Jun 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$196,950.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	34 S ELBA RD, LAPEER, MI 48446-2739

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Recording Date	Apr 20, 2026
Property Address	34 S ELBA RD, LAPEER, MI 48446-2739
Document Number	3515000569
Book / Page	3515 / 569
Instrument Date	Apr 16, 2026
Transaction Type	Mortgage
Record Updated	Sep 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3515000569,
Date	Apr 20, 2026
Book Page	3515/569

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Max Rate	-1%

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Mar 2, 2022
Property Address	34 S ELBA RD, LAPEER, MI 48446-2739
Document Number	0032770769
Book / Page	3277 / 769
Instrument Date	Feb 2, 2022
Transaction Type	Transfer
Record Updated	Apr 6, 2022
Title Company	CRISLO TITLE COMPANY, CISLO TITLE CO

Transaction

Amount	Amount on Record
Tax	$1,260.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1965 BLOOMFIELD DR, 1965, OKEMOS, MI 48864-2134

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 S ELBA RD, LAPEER, MI 48446-2739

Tax Assessment & Valuation

The 2025 property tax bill for 34 S Elba Rd was $2,588 with a homeowner's exemption, up 4.1% from the year before.

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$120,700 (+4.68%)	$241,400 (+4.68%)
2025	$2,588.00 (+4.06%) Homeowner's exemption	$115,300	$230,600
2024	$2,487.00
2023		$105,000	$210,000
2022	$1,492.00

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

FEMA maps place 34 S Elba Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1998.

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 Policies	1 in force
Nearby Flood Claims	2 (1998–2013)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Feb 2013 · rainfall accumulation

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.

Wildfire

Wildfire risk around 34 S Elba Rd is low, with a 0.01% annual chance of 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 84 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

May also be available: Frontier.

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