3926 Pratt Rd, Metamora, MI 48455 Property Records

Lapeer County property record for 3926 Pratt Rd, Metamora, MI 48455

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,984 sqft · built 1997
Lot Size	4 acres (174,240 sqft)
Owner	Individual Name on File
Last Sale	$475,000 (Nov 2022)
Tax Bill	$4,032 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-002-068-10`

Property Details

APN / Parcel Number

Primary APN	`010-002-068-10`

Interior

Full Baths	2 Baths
Building Area	1,984 sqft Living Area
1st Floor Area	1,355 sqft
Basement Area	1,355 sqft
Unfinished Basement	1,355 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Lot Area	174,240 sqft (4 acres)
Garage Area	598 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	3926 PRATT RD
City	METAMORA
State	MI
Zip	48455-9653
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	T6N R9E, HADLEY TWP, LAPEER COUNTY. PT OF THE SW 1/4 OF SEC 2; BEG AT A PT ON S LINE THAT IS S 89 DEG 56' 10 W 1650.59 FT
Legal Range	09E
Legal Township	06N
Legal Section	02
Jurisdiction	LAPEER MI
Township / Civil Division	HADLEY
Census Block Group	1
Census Block	1007
Census Tract	342000

Owner

3926 Pratt Rd is owned and occupied by an individual who bought it in November 2022.

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

Owner of Record	Individual Name on File
Mailing Address	3926 PRATT RD, METAMORA, MI 48455-9653
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
Nov 8, 2022	Warranty Deed, Transfer · Conventional Mortgage LEGACY MORTGAGE
May 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage GENISYS CU
Aug 11, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GENISYS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 8, 2022 · Amount on File
Deed Sale	Nov 8, 2022 · Amount on File
Prior Sale	Dec 30, 1996 · Amount on File
Deed Book / Page	3325 / 910
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Nov 8, 2022
Property Address	3926 PRATT RD, METAMORA, MI 48455-9653
Document Number	0033250910
Book / Page	3325 / 910
Instrument Date	Oct 7, 2022
Transaction Type	Transfer
Record Updated	Dec 23, 2022
Title Company	MASON BURGESS TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,562.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3926 PRATT RD, METAMORA, MI 48455-9653

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3926 PRATT RD, METAMORA, MI 48455-9653

Mortgage

Document Number	0003325912
Date	Nov 8, 2022
Instrument	3325/912

Lender

Name	LEGACY MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2052

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	3926 PRATT RD, METAMORA, MI 48455-9653
Transaction Type	Mortgage
Record Updated	Jun 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3926 PRATT RD, METAMORA, MI 48455-9653

Mortgage

Document Number	0032010733
Date	May 11, 2021
Book Page	3201/733

Lender

Name	GENISYS CU
Type	Credit Union
Address	AUBURN HILLS, MI 48326

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2036

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	3926 PRATT RD, METAMORA, MI 48455-9653
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031200827
Date	Aug 11, 2020
Book Page	3120/827

Lender

Name	GENISYS CU
Type	Credit Union
Address	AUBURN HILLS, MI 48326

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	59 Months
Due	Jul 16, 2025

Tax Assessment & Valuation

The 2025 property tax bill for 3926 Pratt Rd was $4,032 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		$218,100 (+10.99%)	$436,200 (+10.99%)
2025	$4,032.00 Homeowner's exemption	$196,500	$393,000
2023		$172,700	$345,400
2022	$2,350.00

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.

Flood

FEMA maps place 3926 Pratt Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 4, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 3926 Pratt Rd 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	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 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Mercury Fiber, Verizon.

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