3620 Winding Pine Dr, Metamora, MI 48455 Property Records

Lapeer County property record for 3620 Winding Pine Dr, Metamora, MI 48455

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,780 sqft · built 1994
Lot Size	0.802 acres (34,935 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Jul 2014)
Tax Bill	$3,220 (2025)
Deeds & Mortgages	Aug 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`015-430-040-00`

Property Details

APN / Parcel Number

Primary APN	`015-430-040-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,780 sqft Living Area
1st Floor Area	1,756 sqft
Basement Area	1,756 sqft
Unfinished Basement	1,756 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Wood Siding
Lot Area	34,935 sqft (0.802 acres)
Garage Area	552 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3620 WINDING PINE DR
City	METAMORA
State	MI
Zip	48455-8904
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	T6N R10E SEC 9 BRECHTWOOD EST #2 LOT 40
Legal Range	10E
Legal Township	06N
Legal Section	09
Legal Subdivision	BRECHTWOOD EST
Legal Lot Number	40
Jurisdiction	LAPEER MI
Township / Civil Division	METAMORA
Census Block Group	1
Census Block	1003
Census Tract	341500

Owner

3620 Winding Pine Dr is owned and occupied by an individual who bought it in July 2014.

Source: Lapeer County records, as of September 24, 2026

Owner of Record	Individual Name on File
Mailing Address	3620 WINDING PINE DR, METAMORA, MI 48455-8904
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 23, 2014 · Amount on File
Deed Sale	Jul 23, 2014 · Amount on File
Prior Sale	Aug 8, 1994 · Amount on File
Deed Book / Page	2717 / 818
Prior Transfer Date	Jan 26, 2012
Prior Transfer Doc	0025520453
Record Updated	Oct 29, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	3620 WINDING PINE DR, METAMORA, MI 48455-8904
Document Number	0029110359
Instrument Date	Aug 1, 2017
Transaction Type	Mortgage
Record Updated	Sep 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3620 WINDING PINE DR METAMORA MI 484558904, METAMORA, MI 48455-8904

Mortgage

Document Number	0029110359
Date	Aug 14, 2017
Book Page	002911/000359

Lender

Name	PNC BK
Type	Bank
Address	METAMOR, MI 48455

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3620 Winding Pine Dr was $3,220 with a homeowner's exemption, up 4% 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	Metamora Township
Unified School District	Lapeer Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$200,000 (+11.23%)	$400,000 (+11.23%)
2025	$3,220.00 (+4.01%) Homeowner's exemption	$179,800	$359,600
2024	$3,096.00
2023		$144,000	$288,000
2022	$2,802.00

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

Flood

FEMA maps place 3620 Winding Pine 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

Wildfire risk around 3620 Winding Pine 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	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 67 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20