3840 Sandy Dr, Metamora, MI 48455 Property Records

Lapeer County property record for 3840 Sandy Dr, Metamora, MI 48455

Property Summary

Property Type	Single Family Home
Details	2 ba · 3,582 sqft · built 1980
Lot Size	5.05 acres (219,978 sqft)
Owner	2 Individual Names on File
Last Sale	$183,800 (Oct 1997)
Tax Bill	$3,168 (2025)
Deeds & Mortgages	Feb 2021 Mortgage May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-023-026-00`

Property Details

APN / Parcel Number

Primary APN	`010-023-026-00`

Interior

Full Baths	2 Baths
Building Area	3,582 sqft Living Area
1st Floor Area	1,935 sqft
Flooring	Carpet

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Lot Area	219,978 sqft (5.05 acres)
Garage Area	806 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	3840 SANDY DR
City	METAMORA
State	MI
Zip	48455-9752
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	SEC 23 T6N R9E COM AT W 1/4 COR OF SEC, TH N 0 DEG 39' 41 E 723.10 FT, TH S 89 DEG 25' 20 E 1551.59 FT TO BEG, TH N 0 DEG 33'
Legal Range	09E
Legal Township	06N
Legal Section	23
Jurisdiction	LAPEER MI
Township / Civil Division	HADLEY
Census Block Group	2
Census Block	2007
Census Tract	342000

Owner

3840 Sandy Dr is owned and occupied by two individuals who bought it in October 1997.

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

Owner of Record	2 Individual Names on File
Mailing Address	3840 SANDY DR, METAMORA, MI 48455-9752
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage CHOICEONE BANK
May 19, 2017	Deed of Trust, Mortgage · Conventional with PMI LAKESTONE BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 1997 · Amount on File
Deed Sale	Oct 31, 1997 · Amount on File
Deed Book / Page	1042 / 923
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	3840 SANDY DR, METAMORA, MI 48455-9752
Transaction Type	Mortgage
Record Updated	Apr 2, 2021
Title Company	LCT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3840 SANDY DR, METAMORA, MI 48455-9752

Mortgage

Document Number	0031760773
Date	Feb 22, 2021
Book Page	3176/773

Lender

Name	CHOICEONE BANK
Type	Bank
Address	SPARTA, MI 49345

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	3840 SANDY DR, METAMORA, MI 48455-9752
Document Number	0028950895
Book / Page	002895 / 000895
Instrument Date	May 19, 2017
Transaction Type	Mortgage
Record Updated	Jul 19, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3840 SANDY DR METAMORA MI 484559752, METAMORA, MI 48455-9752

Mortgage

Document Number	0028950895
Date	May 26, 2017
Book Page	002895/000895

Lender

Name	LAKESTONE BK&TR
Address	LAPEER, MI 48446

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 25, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3840 Sandy Dr was $3,168 with a homeowner's exemption.

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		$237,700 (+11.81%)	$475,400 (+11.81%)
2025	$3,168.00 Homeowner's exemption	$212,600	$425,200
2023		$187,300	$374,600
2022	$2,791.00

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

Flood

FEMA maps place 3840 Sandy 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

Wildfire risk around 3840 Sandy 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Mercury Fiber Fixed Wireless	150 / 20
Brightspeed DSL	40 / 3
Verizon Fixed Wireless	25 / 6

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Sandy Dr

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