3420 Merwin Rd, Lapeer, MI 48446 Property Records

Lapeer County property record for 3420 Merwin Rd, Lapeer, MI 48446 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,565 sqft · built 1996
Lot Size	15 acres (653,836 sqft)
Owner	2 Individual Names on File
Last Sale	$705,000 (May 2026)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`008-025-009-00`

Property Details

APN / Parcel Number

Primary APN	`008-025-009-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,565 sqft Living Area
1st Floor Area	1,774 sqft
Basement Area	1,774 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Lot Area	653,836 sqft (15 acres)
Garage Area	672 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3420 MERWIN RD
City	LAPEER
State	MI
Zip	48446-7803
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	08 42 007 000 00 SEC 25 T7N R9E BEG S 88-44-40 E 633.99 FT FROM THE W 1/4 POST, TH CONT S 88-44-40 E 528.67 FT TH N 01-28-55
Legal Range	09E
Legal Township	07N
Legal Section	25
Jurisdiction	LAPEER MI
Township / Civil Division	ELBA
Census Block Group	3
Census Block	3000
Census Tract	336000

Owner

Source: Lapeer County records · APN 008-025-009-00

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	3420 MERWIN RD, LAPEER, MI 48446-7803
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 22, 2026 · Amount on Record
Deed Sale	May 22, 2026 · Amount on Record
Prior Sale	Jun 17, 2005 · Amount on Record
Deed Document Number	2026
Deed Book / Page	3521 / 744
Prior Transfer Date	Oct 28, 2024
Prior Transfer Doc	0034270546
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	May 22, 2026
Property Address	3420 MERWIN RD, LAPEER, MI 48446-7803
Document Number	0035210744
Book / Page	3521 / 744
Instrument Date	May 20, 2026
Transaction Type	Transfer
Record Updated	Jun 11, 2026
Title Company	VISION TITLE, VISIONARY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$534,037.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3420 MERWIN RD, LAPEER, MI 48446-7803

Mortgage

Document Number	3522000001,
Date	May 22, 2026
Book Page	3522/1

Lender

Name	STAUNTON FINANCIAL INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

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	Assessed Value	Assessed Market Value
2025	$291,000	$582,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lapeer County (26087C), updated May 4, 2016 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 260873360003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 52% of Michigan
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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, availability as of December 31, 2025 · Published October 2026 · based on 24 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Verizon	Fixed Wireless	25 / 6
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Bitwise, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.