3870 Mill St, North Branch, MI 48461 Property Records

Lapeer County property record for 3870 Mill St, North Branch, MI 48461

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,020 sqft · built 1910
Lot Size	0.165 acres (7,187 sqft)
Owner	Individual Name on File
Last Sale	$80,000 (Dec 2025)
Tax Bill	$1,357 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Sep 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`046-425-005-00`

Property Details

APN / Parcel Number

Primary APN	`046-425-005-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,020 sqft Living Area
1st Floor Area	732 sqft
Basement Area	384 sqft
Unfinished Basement	384 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Lot Area	7,187 sqft (0.165 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Area	280 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	3870 MILL ST
City	NORTH BRANCH
State	MI
Zip	48461-9346
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R SI
Legal Description	16 57 700 000 00 VILLAGE OF NORTH BRANCH HENRY GALLINGERS ADD TO THE NW DIV OF VILL OF BEECHVILLE E 1/2 OF LOTS 5 AND 6 BLK 5
Legal Subdivision	VILLAGE OF NORTH BRANCH HENRY
Legal Block	5
Legal Lot Number	5-6
Jurisdiction	LAPEER MI
Township / Civil Division	NORTH BRANCH
Census Block Group	1
Census Block	1013
Census Tract	332500

Owner

3870 Mill St is owned and occupied by an individual who bought it in December 2025.

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

Owner of Record	Individual Name on File
Mailing Address	3870 MILL ST, NORTH BRANCH, MI 48461-9346
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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
Dec 4, 2025	Warranty Deed, Transfer · Conventional Mortgage INDEPENDENT BANK
Sep 16, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 4, 2025 · Amount on File
Deed Sale	Dec 4, 2025 · Amount on File
Prior Sale	Oct 4, 2024 · Amount on File
Deed Book / Page	3491 / 826
Prior Transfer Date	Sep 15, 2020
Prior Transfer Doc	0031290722
Record Updated	Oct 29, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Dec 4, 2025
Property Address	3870 MILL ST, NORTH BRANCH, MI 48461-9346
Document Number	0034910826
Book / Page	3491 / 826
Map Reference	LB 5 PG 194
Instrument Date	Dec 1, 2025
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	INDEPENDENT TITLE, INDEPENDENT TITLE SVCS INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$600.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22290 27 MILE RD, RAY, MI 48096-3843

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3870 MILL ST, NORTH BRANCH, MI 48461-9346

Mortgage

Document Number	0003491828
Date	Dec 4, 2025
Instrument	3491/828

Lender

Name	INDEPENDENT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2055

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAPEER MI
Recording Date	Sep 16, 2020
Property Address	3870 MILL ST, NORTH BRANCH, MI 48461-9346
Document Number	0031290722
Book / Page	003129 / 000722
Instrument Date	Sep 15, 2020
Transaction Type	Transfer
Record Updated	Oct 23, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	6824 JEFFERSON RD NORTH BRANCH MI 484619301, NORTH BRANCH, MI 48461-9301

Tax Assessment & Valuation

The 2025 property tax bill for 3870 Mill St was $1,357 with a homeowner's exemption, up 21.7% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Lapeer County
County Subdivision	North Branch Township
Municipality	North Branch Village
Unified School District	North Branch Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$50,500 (+4.12%)	$101,000 (+4.12%)
2025	$1,357.00 (+21.7%) Homeowner's exemption	$48,500	$97,000
2024	$1,115.00
2023		$40,800	$81,600
2022	$975.00

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

Flood

FEMA maps place 3870 Mill St 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 3870 Mill St is low, with less than 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 99.1% of the US · lower than 98.4% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	VILLAGE OF NORTH BRANCH serves 1,021 people · EPA ID MI0004770
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 116 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Mercury Fiber, Northern Broadband.

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