Lapeer County property record for 3841 Winding Pine Dr, Metamora, MI 48455
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,474 sqft · built 1995 |
| Lot Size | 1.03 acres (45,172 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $456,000 (Dec 2022) |
| Tax Bill | $5,670 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Feb 2025 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 015-430-004-00 |
| Primary APN | 015-430-004-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 3,474 sqft Living Area |
| 1st Floor Area | 2,335 sqft |
| Basement Area | 1,935 sqft |
| Unfinished Basement | 1,935 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Wood Siding |
| Lot Area | 45,172 sqft (1.03 acres) |
| Garage Area | 742 sqft |
| Heating System | Heat Pump |
|---|
| Street Address | 3841 WINDING PINE DR |
|---|---|
| City | METAMORA |
| State | MI |
| Zip | 48455-8905 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | LOT 4 BRECHTWOOD EST. T6N R10E SECTION 9 |
| Legal Range | 10E |
| Legal Township | 06N |
| Legal Section | 09 |
| Legal Subdivision | BRECHTWOOD EST |
| Legal Lot Number | 4 |
| 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 | 3841 WINDING PINE DR, METAMORA, MI 48455-8905 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GENISYS CU |
| Feb 24, 2025 | Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Apr 8, 2026 | Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE |
| Dec 13, 2022 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Jan 26, 2018 | Deed of Trust, Mortgage · Conventional Mortgage GENISYS CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 13, 2022 · Amount on Record |
| Deed Sale | Dec 13, 2022 · Amount on Record |
| Prior Sale | Mar 21, 1995 · Amount on Record |
| Deed Book / Page | 3330 / 553 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 3841 WINDING PINE DR, METAMORA, MI 48455-8905 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3841 WINDING PINE DR, METAMORA, MI 48455-8905 |
| Document Number | 0031770117 |
|---|---|
| Date | Feb 22, 2021 |
| Book Page | 3177/117 |
| Name | GENISYS CU |
|---|---|
| Type | Credit Union |
| Address | AUBURN HILLS, MI 48326 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Mar 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 3841 WINDING PINE DR, METAMORA, MI 48455-8905 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 3841 WINDING PINE DR, METAMORA, MI 48455-8905 |
| Document Number | 0034430790 |
|---|---|
| Date | Feb 24, 2025 |
| Book Page | 3443/790 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | 2160 SUPERIOR AVE, CLEVELAND, OH 44114 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Recording Date | Apr 8, 2026 |
| Property Address | 3841 WINDING PINE DR, METAMORA, MI 48455-8905 |
| Document Number | 3513000533 |
| Book / Page | 3513 / 533 |
| Instrument Date | Mar 26, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU |
| Name | Verified Name |
|---|---|
| Address | 3841 WINDING PINE DR, METAMORA, MI 48455-8905 |
| Document Number | 3513000533, |
|---|---|
| Date | Apr 8, 2026 |
| Book Page | 3513/533 |
| Name | CROSSCOUNTRY MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAPEER MI |
| Recording Date | Dec 13, 2022 |
| Property Address | 3841 WINDING PINE DR, METAMORA, MI 48455-8905 |
| Document Number | 0033300553 |
| Book / Page | 3330 / 553 |
| Map Reference | LB 7 PG 121-123 |
| Instrument Date | Dec 7, 2022 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | MASON BURGESS TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,420.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3841 WINDING PINE DR, METAMORA, MI 48455-8905 |
| Name | Verified Name |
|---|---|
| Address | 485 TLBURON, MYRTLE BEACH, SC 29588-6986 |
| Document Number | 0003332306 |
|---|---|
| Date | Dec 13, 2022 |
| Instrument | 3332/306 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Document Number | 0033320306 |
|---|---|
| Date | Dec 28, 2022 |
| Book Page | 3332/306 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CLEVELAND, OH 44114 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 3841 WINDING PINE DR, METAMORA, MI 48455-8905 |
| Document Number | 0029430931 |
| Instrument Date | Jan 26, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2018 |
| Title Company | VANGUARD TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 3841 WINDING PINE DR METAMORA MI 484558905, METAMORA, MI 48455-8905 |
| Document Number | 0029430931 |
|---|---|
| Date | Feb 5, 2018 |
| Book Page | 002943/000931 |
| Name | GENISYS CU |
|---|---|
| Type | Credit Union |
| Address | AUBURN HILLS, MI 48326 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Feb 4, 2028 |
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 | $303,700 (+10.56%) | $607,400 (+10.56%) | |
| 2025 | $5,670.00 (+3.98%) Homeowner's exemption | $274,700 (+24.92%) | $549,400 (+24.92%) |
| 2024 | $5,453.00 (+51.35%) | ||
| 2023 | $219,900 | $439,800 | |
| 2022 | $3,603.00 |
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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