Lapeer County property record for 3785 Winding Pine Dr, Metamora, MI 48455
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,750 sqft · built 1988 |
| Lot Size | 0.654 acres (28,526 sqft) |
| Owner | Individual Name on File |
| Last Sale | $150,000 (Sep 2020) |
| Tax Bill | $3,524 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Apr 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 015-430-031-00 |
| Primary APN | 015-430-031-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,750 sqft Living Area |
| 1st Floor Area | 1,750 sqft |
| Basement Area | 1,750 sqft |
| Unfinished Basement | 1,750 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Wood Siding |
| Lot Area | 28,526 sqft (0.654 acres) |
| Garage Area | 625 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3785 WINDING PINE DR |
|---|---|
| City | METAMORA |
| State | MI |
| Zip | 48455-8969 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | LOT 31 BRECHTWOOD EST. T6N R10E SECTION 9 |
| Legal Range | 10E |
| Legal Township | 06N |
| Legal Section | 09 |
| Legal Subdivision | BRECHTWOOD EST |
| Legal Lot Number | 31 |
| Jurisdiction | LAPEER MI |
| Township / Civil Division | METAMORA |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 341500 |
3785 Winding Pine Dr is owned and occupied by an individual who bought it in September 2020.
Source: Lapeer County records, as of September 24, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3785 WINDING PINE DR, METAMORA, MI 48455-8969 |
| 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 18, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE 1 INC |
| Apr 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Feb 21, 2018 | Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 17, 2020 · Amount on File |
| Deed Sale | Sep 17, 2020 · Amount on File |
| Prior Sale | Sep 17, 2020 · Amount on File |
| Deed Book / Page | 3129 / 860 |
| Prior Transfer Date | Jun 22, 2011 |
| Prior Transfer Doc | 0025070191 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 3785 WINDING PINE DR, METAMORA, MI 48455-8969 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ATA NATIONAL TITLE GROUP |
| Name | Verified Name |
|---|---|
| Address | 913 STATE RD 11, 11, PLYMOUTH, MA 02360-5113 |
| Document Number | 0031300320 |
|---|---|
| Date | Sep 18, 2020 |
| Book Page | 3130/320 |
| Name | MORTGAGE 1 INC |
|---|---|
| Type | Mortgage Company |
| Address | STERLING HEIGHTS, MI 48314 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 3785 WINDING PINE DR, METAMORA, MI 48455-8969 |
| Document Number | 0030950021 |
| Instrument Date | Apr 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 7, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3785 WINDING PINE DR METAMORA MI 484558969, METAMORA, MI 48455-8969 |
| Document Number | 0030950021 |
|---|---|
| Date | Apr 24, 2020 |
| Book Page | 003095/000021 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 23, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAPEER MI |
| Recording Date | Feb 21, 2018 |
| Property Address | 3785 WINDING PINE DR, METAMORA, MI 48455-8969 |
| Document Number | 0029460053 |
| Book / Page | 002946 / 000053 |
| Instrument Date | Feb 14, 2018 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2018 |
| Title Company | PREMIER TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,725.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3785 WINDING PINE DR METAMORA MI 484558969, METAMORA, MI 48455-8969 |
| Document Number | 29460054 |
|---|---|
| Date | Feb 21, 2018 |
| Book Page | 002946/000054 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 20, 2048 |
The 2025 property tax bill for 3785 Winding Pine Dr was $3,524 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 | $203,400 (+10.6%) | $406,800 (+10.6%) | |
| 2025 | $3,524.00 Homeowner's exemption | $183,900 | $367,800 |
| 2023 | $147,600 | $295,200 | |
| 2022 | $3,067.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3785 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 3785 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 |
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