3687 Joy Rd, Metamora, MI 48455 Property Records

Lapeer County property record for 3687 Joy Rd, Metamora, MI 48455

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,206 sqft · built 1989
Lot Size	11 acres (479,160 sqft)
Owner	Individual Name on Record
Last Sale	$257,500 (May 2016)
Tax Bill	$3,763 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Dec 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`007-008-015-10`

Property Details

APN / Parcel Number

Primary APN	`007-008-015-10`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,206 sqft Living Area
1st Floor Area	2,206 sqft
Basement Area	1,102 sqft
Unfinished Basement	1,108 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Lot Area	479,160 sqft (11 acres)
Lot Dimensions	1,327 ft deep x 361 ft wide
Garage Area	576 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	3687 JOY RD
City	METAMORA
State	MI
Zip	48455-9213
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	BEG AT A POINT THAT IS N 87 DEG 36' 20 W 163.96 FT AND S 00 DEG 09' 13 W 1253.87 FT AND S 88 DEG 13' E 163.72 FT AND S 00 DEG
Legal Range	11E
Legal Township	06N
Legal Section	08
Jurisdiction	LAPEER MI
Township / Civil Division	DRYDEN
Census Block Group	1
Census Block	1008
Census Tract	341000

Owner

Source: Lapeer County records, as of October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3687 JOY RD, METAMORA, MI 48455-9213
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2024	Deed of Trust, Mortgage · USDA Mortgage USDA
Dec 16, 2022	Deed of Trust, Mortgage · FHA Mortgage UNITED STATES OF AMERICA
Jan 2, 2020	Loan Modification, Mortgage LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2016 · Amount on Record
Deed Sale	May 27, 2016 · Amount on Record
Prior Sale	Aug 29, 2011 · Amount on Record
Deed Book / Page	2829 / 515
Prior Transfer Date	Nov 21, 2007
Prior Transfer Doc	0023050681
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	3687 JOY RD, METAMORA, MI 48455-9213
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3687 JOY RD, METAMORA, MI 48455-9213

Mortgage

Document Number	0033880520
Date	Feb 22, 2024
Book Page	3388/520

Lender

Name	USDA
Type	Government Agency
Address	4300 GOODFELLOW BLVD BLDG 105, SAINT LOUIS, MO 63120

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Mar 1, 2052

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	3687 JOY RD, METAMORA, MI 48455-9213
Transaction Type	Mortgage
Record Updated	Jan 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3687 JOY RD, METAMORA, MI 48455-9213

Mortgage

Document Number	0033310088
Date	Dec 16, 2022
Book Page	3331/88

Lender

Name	UNITED STATES OF AMERICA
Type	Government Agency
Address	SAINT LOUIS, MO 63120

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Mar 1, 2052

January 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LAPEER MI
Property Address	3687 JOY RD, METAMORA, MI 48455-9213
Document Number	0030730963
Instrument Date	Jan 2, 2020
Transaction Type	Mortgage
Record Updated	Feb 27, 2020
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3687 JOY RD METAMORA MI 484559213, METAMORA, MI 48455-9213

Mortgage

Document Number	0030730963
Date	Jan 16, 2020
Book Page	003073/000963

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Amount	Amount Recorded
Term	300 Months
Due	Jan 15, 2045

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Lapeer County assessment roll, as of September 24, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Lapeer County
County Subdivision	Dryden Township
Unified School District	Dryden Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$210,500 (+16.17%)	$421,000 (+16.17%)
2025	$3,763.00 (+3.92%) Homeowner's exemption	$181,200 (+16.08%)	$362,400 (+16.08%)
2024	$3,621.00 (+15.47%)
2023		$156,100	$312,200
2022	$3,136.00

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

Flood

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

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

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: Mercury Fiber, Spectrum.

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