3860 Winding Pine Dr, Metamora, MI 48455 Property Records

Lapeer County property record for 3860 Winding Pine Dr, Metamora, MI 48455

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,868 sqft · built 1991
Lot Size	0.791 acres (34,487 sqft)
Owner	2 Individual Names on Record
Last Sale	$135,000 (Aug 1992)
Tax Bill	$2,451 (2025)
Deeds & Mortgages	Jul 2018 Refinance
Flood Zone	Zone X (minimal risk)
APN	`015-430-013-00`

Property Details

APN / Parcel Number

Primary APN	`015-430-013-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,868 sqft Living Area
1st Floor Area	1,219 sqft
Basement Area	889 sqft
Unfinished Basement	889 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Wood Siding
Lot Area	34,487 sqft (0.791 acres)
Garage Area	484 sqft
Pool Type	Pool Type
Pool Area	392 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	3860 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 13 BRECHTWOOD EST. T6N R10E SECTION 9
Legal Range	10E
Legal Township	06N
Legal Section	09
Legal Subdivision	BRECHTWOOD EST
Legal Lot Number	13
Jurisdiction	LAPEER MI
Township / Civil Division	METAMORA
Census Block Group	1
Census Block	1003
Census Tract	341500

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3860 WINDING PINE DR, METAMORA, MI 48455-8905
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 1992 · Amount on Record
Deed Sale	Aug 1, 1992 · Amount on Record
Prior Sale	Apr 1, 1991 · Amount on Record
Deed Book / Page	768 / 551
Record Updated	Oct 29, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	3860 WINDING PINE DR, METAMORA, MI 48455-8905
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029740760
Date	Jul 27, 2018
Book Page	2974/760

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$175,300 (+9.49%)	$350,600 (+9.49%)
2025	$2,451.00 (+14.91%) Homeowner's exemption	$160,100 (+22.68%)	$320,200 (+22.68%)
2023		$130,500	$261,000
2022	$2,133.00

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20