Lapeer County property record for 3640 Winding Pine Dr, Metamora, MI 48455
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,675 sqft · built 1995 |
| Lot Size | 0.836 acres (36,434 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $410,000 (Sep 2022) |
| Tax Bill | $4,538 (2025) |
| Deeds & Mortgages | Sep 2022 Sale & Mortgage Nov 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 015-430-057-00 |
| Primary APN | 015-430-057-00 |
|---|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,675 sqft Living Area |
| 1st Floor Area | 1,505 sqft |
| Basement Area | 1,146 sqft |
| Unfinished Basement | 1,505 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Wood Siding |
| Lot Area | 36,434 sqft (0.836 acres) |
| Garage Area | 495 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3640 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 57 |
| Legal Range | 10E |
| Legal Township | 06N |
| Legal Section | 09 |
| Legal Subdivision | BRECHTWOOD EST |
| Legal Lot Number | 57 |
| Jurisdiction | LAPEER MI |
| Township / Civil Division | METAMORA |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 341500 |
3640 Winding Pine Dr is owned and occupied by two individuals who bought it in September 2022.
Source: Lapeer County records, as of September 24, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3640 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.
| Date | Document |
|---|---|
| Sep 28, 2022 | Warranty Deed, Transfer ROCKET MORTGAGE LLC |
| Nov 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE 1 INC |
| Jul 11, 2019 | Warranty Deed, Transfer · Conventional with PMI MORTGAGE 1 AT SUBURBAN |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 28, 2022 · Amount on File |
| Deed Sale | Sep 28, 2022 · Amount on File |
| Prior Sale | Jul 11, 2019 · Amount on File |
| Deed Book / Page | 3318 / 727 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAPEER MI |
| Recording Date | Sep 28, 2022 |
| Property Address | 3640 WINDING PINE DR, METAMORA, MI 48455-8904 |
| Document Number | 0033180727 |
| Book / Page | 3318 / 727 |
| Map Reference | LB 7 PG 126 |
| Instrument Date | Sep 9, 2022 |
| Transaction Type | Transfer |
| Record Updated | Nov 4, 2022 |
| Title Company | TITLE CONNECT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,075.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3640 WINDING PINE DR, 3640, METAMORA, MI 48455-8904 |
| Name | Verified Name |
|---|---|
| Address | 42552 SYCAMORE DR, STERLING HEIGHTS, MI 48313-2860 |
| Document Number | 0033170428 |
|---|---|
| Date | Sep 21, 2022 |
| Book Page | 3317/428 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 3640 WINDING PINE DR, METAMORA, MI 48455-8904 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Title Company | PREMIER TITLE |
| Name | Verified Name |
|---|---|
| Address | 3640 WINDING PINE DR, METAMORA, MI 48455-8904 |
| Document Number | 0031480530 |
|---|---|
| Date | Nov 17, 2020 |
| Book Page | 3148/530 |
| Name | MORTGAGE 1 INC |
|---|---|
| Type | Mortgage Company |
| Address | STERLING HEIGHTS, MI 48314 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAPEER MI |
| Recording Date | Jul 11, 2019 |
| Property Address | 3640 WINDING PINE DR, METAMORA, MI 48455-8904 |
| Document Number | 0030340117 |
| Book / Page | 003034 / 000117 |
| Instrument Date | Jul 8, 2019 |
| Transaction Type | Transfer |
| Record Updated | Sep 3, 2019 |
| Title Company | TITLE CONNECT LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,550.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1113 FARNSWORTH RD LAPEER MI 484461525, LAPEER, MI 48446-1525 |
| Document Number | 30360799 |
|---|---|
| Date | Jul 11, 2019 |
| Book Page | 003036/000799 |
| Name | MORTGAGE 1 AT SUBURBAN |
|---|---|
| Type | Mortgage Company |
| Address | STERLING HEIGHTS, MI 48314 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 10, 2049 |
The 2025 property tax bill for 3640 Winding Pine Dr was $4,538 with a homeowner's exemption.
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 | $241,500 (+10.48%) | $483,000 (+10.48%) | |
| 2025 | $4,538.00 Homeowner's exemption | $218,600 | $437,200 |
| 2023 | $176,000 | $352,000 | |
| 2022 | $3,930.00 |
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 3640 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 risk around 3640 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures