Lapeer County property record for 3586 E Lake Dr, Metamora, MI 48455
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,112 sqft · built 1953 |
| Lot Size | 0.367 acres (15,987 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $350,000 (Aug 2020) |
| Tax Bill | $4,193 (2025) |
| Deeds & Mortgages | Jun 2023 Line of Credit Aug 2020 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 015-007-009-00 |
| Primary APN | 015-007-009-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,112 sqft Living Area |
| 1st Floor Area | 1,056 sqft |
| Basement Area | 1,056 sqft |
| Unfinished Basement | 1,056 sqft |
| Flooring | Carpet |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Exterior Material | Wood Siding |
| Lot Area | 15,987 sqft (0.367 acres) |
| Lot Dimensions | 320 ft deep x 50 ft wide |
| Garage Area | 484 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3586 E LAKE DR |
|---|---|
| City | METAMORA |
| State | MI |
| Zip | 48455-8725 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | SEC 7, T6N R10E. BEG ON E SEC LN S 01-40-00 W 802.7 FT FROM NE SEC COR, TH EXT S 01-40-00 W 50 FT, TH N 88-20-00 W 350 FT, TH |
| Legal Range | 10E |
| Legal Township | 06N |
| Legal Section | 07 |
| Jurisdiction | LAPEER MI |
| Township / Civil Division | METAMORA |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 341500 |
3586 E Lake Dr is owned and occupied by two individuals who bought it in August 2020.
Source: Lapeer County records, as of September 24, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3586 E LAKE DR, METAMORA, MI 48455-8725 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 26, 2023 | Deed of Trust, Mortgage · Line of Credit CHOICEONE BANK |
| Aug 31, 2020 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 9, 2019 | Deed of Trust, Mortgage · Conventional Mortgage LAKESTONE BK&TR |
| Jun 20, 2018 | Deed of Trust, Mortgage · Line of Credit LAKESTONE BK&TR |
| Jun 18, 2018 | Deed of Trust, Mortgage · Conventional Mortgage LAKESTONE BK&TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 31, 2020 · Amount on File |
| Deed Sale | Aug 31, 2020 · Amount on File |
| Prior Sale | Jan 2, 2009 · Amount on File |
| Deed Book / Page | 3125 / 584 |
| Prior Transfer Date | Apr 18, 2007 |
| Prior Transfer Doc | 0022540945 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 3586 E LAKE DR, METAMORA, MI 48455-8725 |
| Transaction Type | Mortgage |
| Record Updated | Aug 3, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3586 E LAKE DR, METAMORA, MI 48455-8725 |
| Document Number | 0033560273 |
|---|---|
| Date | Jun 26, 2023 |
| Book Page | 3356/273 |
| Name | CHOICEONE BANK |
|---|---|
| Type | Bank |
| Address | METAMORA, MI 48455 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | May 8, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAPEER MI |
| Recording Date | Aug 31, 2020 |
| Property Address | 3586 E LAKE DR, METAMORA, MI 48455-8725 |
| Document Number | 0031250584 |
| Book / Page | 3125 / 584 |
| Instrument Date | Aug 26, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,625.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3586 E LAKE DR, 3586, METAMORA, MI 48455-8725 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 2481 EATON GATE RD, LAKE ORION, MI 48360-1847 |
| Document Number | 0003126767 |
|---|---|
| Date | Aug 31, 2020 |
| Instrument | 3126/767 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 3586 E LAKE DR, METAMORA, MI 48455-8725 |
| Document Number | 0030670872 |
| Instrument Date | Dec 9, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 24, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3586 E LAKE DR METAMORA MI 484558725, METAMORA, MI 48455-8725 |
| Document Number | 0030670872 |
|---|---|
| Date | Dec 13, 2019 |
| Book Page | 003067/000872 |
| Name | LAKESTONE BK&TR |
|---|---|
| Address | LAPEER, MI 48446 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Dec 12, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 3586 E LAKE DR, METAMORA, MI 48455-8725 |
| Document Number | 0029700971 |
| Instrument Date | Jun 20, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3586 E LAKE DR METAMORA MI 484558725, METAMORA, MI 48455-8725 |
| Document Number | 0029700971 |
|---|---|
| Date | Jul 10, 2018 |
| Book Page | 002970/000971 |
| Name | LAKESTONE BK&TR |
|---|---|
| Address | LAPEER, MI 48446 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jul 9, 2028 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 3586 E LAKE DR, METAMORA, MI 48455-8725 |
| Document Number | 0029670690 |
| Instrument Date | Jun 18, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3586 E LAKE DR METAMORA MI 484558725, METAMORA, MI 48455-8725 |
| Document Number | 0029670690 |
|---|---|
| Date | Jun 25, 2018 |
| Book Page | 002967/000690 |
| Name | LAKESTONE BK&TR |
|---|---|
| Address | LAPEER, MI 48446 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 24, 2033 |
The 2025 property tax bill for 3586 E Lake Dr was $4,193 with a homeowner's exemption, up 3.2% from the year before.
Source: Lapeer County assessment roll, as of September 24, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Lapeer County |
| County Subdivision | Metamora Township |
| Unified School District | Lapeer Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $195,100 (+5.63%) | $390,200 (+5.63%) | |
| 2025 | $4,193.00 (+3.17%) Homeowner's exemption | $184,700 | $369,400 |
| 2024 | $4,064.00 | ||
| 2023 | $159,800 | $319,600 | |
| 2022 | $3,519.00 |
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.
FEMA maps place 3586 E Lake Dr in Zone X, an area of minimal flood risk.
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 risk around 3586 E Lake 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 | 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.
Source: FCC Broadband Data Collection, based on 128 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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