Lapeer County property record for 3786 Winding Pine Dr, Metamora, MI 48455
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,789 sqft · built 1988 |
| Lot Size | 0.667 acres (29,055 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $395,000 (Feb 2023) |
| Tax Bill | $4,425 (2025) |
| Deeds & Mortgages | Feb 2023 Sale & Mortgage Sep 2022 Transfer + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 015-430-035-00 |
| Primary APN | 015-430-035-00 |
|---|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,789 sqft Living Area |
| 1st Floor Area | 1,789 sqft |
| Basement Area | 1,789 sqft |
| Unfinished Basement | 1,789 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Wood Siding |
| Lot Area | 29,055 sqft (0.667 acres) |
| Garage Area | 576 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3786 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 35 BRECHTWOOD EST. T6N R10 E SECTION 9 |
| Legal Range | 010 |
| Legal Township | 06N |
| Legal Section | 09 |
| Legal Subdivision | BRECHTWOOD EST |
| Legal Lot Number | 35 |
| Jurisdiction | LAPEER MI |
| Township / Civil Division | METAMORA |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 341500 |
Source: Lapeer County records, as of September 24, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3786 WINDING PINE DR, METAMORA, MI 48455-8969 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 8, 2023 | Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU |
| Sep 19, 2022 | Intrafamily Transfer, Transfer |
| Dec 19, 2017 | Deed of Trust, Mortgage · Stand-Alone Refinance PNC BANK NA |
| Apr 2, 2018 | Deed of Trust, Mortgage · Stand-Alone Refinance PNC BANK NA |
| Dec 11, 2020 | Deed of Trust, Mortgage · Conventional Mortgage DORT FINANCIAL CU |
| Jul 11, 2019 | Deed of Trust, Mortgage · Conventional Mortgage DORT FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 8, 2023 · Amount on Record |
| Deed Sale | Feb 8, 2023 · Amount on Record |
| Prior Sale | May 4, 2007 · Amount on Record |
| Deed Book / Page | 3336 / 746 |
| Prior Transfer Date | Sep 16, 2022 |
| Prior Transfer Doc | 0033160925 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAPEER MI |
| Recording Date | Feb 8, 2023 |
| Property Address | 3786 WINDING PINE DR, METAMORA, MI 48455-8969 |
| Document Number | 0033360746 |
| Book / Page | 3336 / 746 |
| Map Reference | LB 7 PG 121-123 |
| Instrument Date | Feb 6, 2023 |
| Transaction Type | Transfer |
| Record Updated | Mar 14, 2023 |
| Title Company | BANKERS TITLE SETTLEMENT SERVICES, BANKERS TITLE STLMT SVCS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,962.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3786 WINDING PINE DR, METAMORA, MI 48455-8969 |
| Name | Verified Name |
|---|---|
| Address | 3786 WINDING PINE DR, METAMORA, MI 48455-8969 |
| Document Number | 0003336747 |
|---|---|
| Date | Feb 8, 2023 |
| Instrument | 3336/747 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAPEER MI |
| Recording Date | Sep 19, 2022 |
| Property Address | 3786 WINDING PINE DR, METAMORA, MI 48455-8969 |
| Document Number | 0033160925 |
| Book / Page | 3316 / 925 |
| Map Reference | LB 7 PG 121-132 |
| Instrument Date | Sep 16, 2022 |
| Transaction Type | Transfer |
| Record Updated | Mar 9, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3786 IMNDING PINE DRIVE, METAMORA, MI 48456 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3786 WINDING PINE DR, METAMORA, MI 48455-8969 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 3786 WINDING PINE DR, METAMORA, MI 48455-8969 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0029360799 |
|---|---|
| Date | Dec 19, 2017 |
| Book Page | 2936/799 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 3786 WINDING PINE DR, METAMORA, MI 48455-8969 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0029530601 |
|---|---|
| Date | Apr 2, 2018 |
| Book Page | 2953/601 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 3786 WINDING PINE DR, METAMORA, MI 48455-8969 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | LAPEER COUNTY ABSTRACT & TTL |
| Name | Verified Name |
|---|---|
| Address | 3786 WINDING PINE DR, METAMORA, MI 48455-8969 |
| Document Number | 0031530760 |
|---|---|
| Date | Dec 11, 2020 |
| Book Page | 3153/760 |
| Name | DORT FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | GRAND BLANC, MI 48439 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 3786 WINDING PINE DR, METAMORA, MI 48455-8969 |
| Document Number | 0030360906 |
| Instrument Date | Jul 11, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 2, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3786 WINDING PINE DR METAMORA MI 484558969, METAMORA, MI 48455-8969 |
| Document Number | 0030360906 |
|---|---|
| Date | Jul 26, 2019 |
| Book Page | 003036/000906 |
| Name | DORT FCU |
|---|---|
| Type | Credit Union |
| Address | FLINT, MI 48506 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 25, 2034 |
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 | $210,400 (+10.62%) | $420,800 (+10.62%) | |
| 2025 | $4,425.00 (+4%) Homeowner's exemption | $190,200 (+24.48%) | $380,400 (+24.48%) |
| 2024 | $4,255.00 (+71.43%) | ||
| 2023 | $152,800 | $305,600 | |
| 2022 | $2,482.00 |
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.
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.
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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