3628 Pratt Rd, Metamora, MI 48455 Property Records

Lapeer County property record for 3628 Pratt Rd, Metamora, MI 48455

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,152 sqft · built 1990
Lot Size	10 acres (436,036 sqft)
Owner	Trust Name on File
Last Sale	$269,900 (Apr 2012)
Tax Bill	$3,713 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Apr 2026 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`010-002-055-00`

Property Details

APN / Parcel Number

Primary APN	`010-002-055-00`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,152 sqft Living Area
1st Floor Area	2,132 sqft
Basement Area	1,771 sqft
Unfinished Basement	1,771 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	436,036 sqft (10 acres)
Garage Area	1,752 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	3628 PRATT RD
City	METAMORA
State	MI
Zip	48455-9713
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	SEC 2 T6N R9E COM S 1/4 COR SEC 2 TH S 89 DEG 39' 25 E 990 FT TO BEG TH N 00 DEG 12' 12 W 1319.48 FT TH S 89 DEG 18' 01 E
Legal Range	09E
Legal Township	06N
Legal Section	02
Jurisdiction	LAPEER MI
Township / Civil Division	HADLEY
Census Block Group	1
Census Block	1032
Census Tract	342000

Owner

3628 Pratt Rd is owner-occupied and held in a trust since October 2022.

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

Owner of Record	Trust Name on File
Mailing Address	3628 PRATT RD, METAMORA, MI 48455-9713
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Living Trust

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
Apr 7, 2026	Deed of Trust · Line of Credit FINANCIAL PLUS CREDIT UNION
Apr 7, 2026	Deed of Trust, Mortgage · Line of Credit FINANCIAL PLUS CREDIT UNION
Oct 14, 2022	Intrafamily Transfer, Transfer
May 11, 2021	Deed of Trust, Mortgage · Line of Credit FINANCIAL PLUS CU
Dec 8, 2020	Deed of Trust, Mortgage · Line of Credit FINANCIAL PLUS CU
Apr 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage FINANCIAL PLUS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 2, 2012 · Amount on File
Deed Sale	Apr 2, 2012 · Amount on File
Prior Sale	Sep 1, 1989 · Amount on File
Deed Book / Page	2553 / 200
Last Transfer Date	Oct 5, 2022
Transfer Doc	0033210384
Record Updated	Oct 29, 2026

April 2026: Deed of Trust

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Recording Date	Apr 7, 2026
Property Address	3628 PRATT RD, METAMORA, MI 48455-9713
Document Number	3513000478
Book / Page	3513 / 478
Instrument Date	Apr 2, 2026
Record Updated	Apr 29, 2026
Title Company	TRANSNATION TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant, 269
Address	3628 PRATT RD, METAMORA, MI 48455-9713

Mortgage

Document Number	3513000478,
Date	Apr 7, 2026
Book Page	3513/478

Lender

Name	FINANCIAL PLUS CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Apr 28, 2046

Interest

Rate	6%
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Recording Date	Apr 7, 2026
Property Address	3628 PRATT RD, METAMORA, MI 48455-9713
Document Number	0035130478
Book / Page	3513 / 478
Instrument Date	Apr 2, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TRANSNATION TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust, 189
Address	3628 PRATT RD, METAMORA, MI 48455-9713

Mortgage

Document Number	3513000478,
Date	Apr 7, 2026
Book Page	3513/478

Lender

Name	FINANCIAL PLUS CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Apr 28, 2046

Interest

Rate	6%
Max Rate	-1%

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAPEER MI
Recording Date	Oct 14, 2022
Property Address	3628 PRATT RD, METAMORA, MI 48455-9713
Document Number	0033210384
Book / Page	3321 / 384
Instrument Date	Oct 5, 2022
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3628 PRATT RD, 3628, METAMORA, MI 48455-9713

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	3628 PRATT RD, METAMORA, MI 48455-9713

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	3628 PRATT RD, METAMORA, MI 48455-9713
Transaction Type	Mortgage
Record Updated	Jun 17, 2021
Title Company	MASON BURGESS TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3628 PRATT RD, METAMORA, MI 48455-9713

Mortgage

Document Number	0032010840
Date	May 11, 2021
Book Page	3201/840

Lender

Name	FINANCIAL PLUS CU
Type	Credit Union
Address	FLINT, MI 48507

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	Apr 7, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	3628 PRATT RD, METAMORA, MI 48455-9713
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MASON BURGESS TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3628 PRATT RD, METAMORA, MI 48455-9713

Mortgage

Document Number	0031520108
Date	Dec 8, 2020
Book Page	3152/108

Lender

Name	FINANCIAL PLUS CU
Type	Credit Union
Address	FLINT, MI 48507

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	Nov 11, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	3628 PRATT RD, METAMORA, MI 48455-9713
Document Number	0031000504
Instrument Date	Apr 7, 2020
Transaction Type	Mortgage
Record Updated	Jul 16, 2020
Title Company	MASON BURGESS TITLE AGENCY, MASON BURGESS TITLE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3628 PRATT RD METAMORA MI 484559713, METAMORA, MI 48455-9713

Mortgage

Document Number	0031000504
Date	May 12, 2020
Book Page	003100/000504

Lender

Name	FINANCIAL PLUS CU
Type	Credit Union
Address	FLINT, MI 48507

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 11, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 3628 Pratt Rd was $3,713 with a homeowner's exemption, up 4.2% 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	Hadley Township
Unified School District	Lapeer Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$313,100 (+9.9%)	$626,200 (+9.9%)
2025	$3,713.00 (+4.15%) Homeowner's exemption	$284,900	$569,800
2024	$3,565.00
2023		$244,500	$489,000
2022	$3,225.00

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

Flood

FEMA maps place 3628 Pratt Rd in Zone X, an area of minimal flood risk.

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

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 3628 Pratt 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	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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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