3524 Pratt Dr, Lapeer, MI 48446 Property Records

Lapeer County property record for 3524 Pratt Dr, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,680 sqft · built 2016
Lot Size	1.48 acres (64,469 sqft)
Owner	2 Individual Names on File
Last Sale	$234,900 (May 2017)
Tax Bill	$2,372 (2025)
Deeds & Mortgages	Jan 2021 Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`008-014-040-12`

Property Details

APN / Parcel Number

Primary APN	`008-014-040-12`

Interior

Bedrooms	3 Beds
Building Area	1,680 sqft Living Area
1st Floor Area	1,680 sqft
Basement Area	1,680 sqft
Flooring	Carpet

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Lot Area	64,469 sqft (1.48 acres)
Garage Area	576 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3524 PRATT DR
City	LAPEER
State	MI
Zip	48446-2986
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	PARCEL B: PART OF THE SE 1/4 OF SEC 14 T7N-R9E ELBA TWP LAPEER CNTY MI. BEGINNING AT THE E 1/4 COR. TH S 01 DEG 12'35 W
Legal Range	09E
Legal Township	07N
Legal Section	14
Legal Subdivision	NEPESSING LAKESIDE CONDO
Jurisdiction	LAPEER MI
Township / Civil Division	ELBA
Census Block Group	2
Census Block	2006
Census Tract	336000

Owner

3524 Pratt Dr is owned and occupied by two individuals who bought it in May 2017.

Source: Lapeer County records, as of August 7, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	3524 PRATT DR, LAPEER, MI 48446-2986
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE 1 INC
May 22, 2017	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 AT SUBURBAN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2017 · Amount on File
Deed Sale	May 22, 2017 · Amount on File
Deed Book / Page	2895 / 200
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	3524 PRATT DR, LAPEER, MI 48446-2986
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	PREMIER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3524 PRATT DR, LAPEER, MI 48446-2986

Mortgage

Document Number	0031680631
Date	Jan 25, 2021
Book Page	3168/631

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company
Address	STERLING HEIGHTS, MI 48314

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2036

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	May 22, 2017
Property Address	3524 PRATT DR, LAPEER, MI 48446-2986
Document Number	0028950200
Book / Page	002895 / 000200
Instrument Date	May 18, 2017
Transaction Type	Transfer
Record Updated	Aug 4, 2017
Title Company	LIBERTY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,761.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3655 WHITFIELD DR WATERFORD TOWNSHIP MI 483291162, WATERFORD TOWNSHIP, MI 48329-1162

Mortgage

Document Number	28950202
Date	May 22, 2017
Book Page	002895/000202

Lender

Name	MORTGAGE 1 AT SUBURBAN
Type	Mortgage Company
Address	STERLING HEIGHTS, MI 48314

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 21, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 3524 Pratt Dr was $2,372 with a homeowner's exemption.

Source: Lapeer County assessment roll, as of August 7, 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		$164,000 (+4.86%)	$328,000 (+4.86%)
2025	$2,372.00 Homeowner's exemption	$156,400	$312,800
2023		$156,100	$312,200
2022	$2,261.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3524 Pratt Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1996.

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	2 in force
Nearby Flood Claims	2 (1996–2006)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Mar 2006 · 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 3524 Pratt Dr 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	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: T-Mobile.

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