3945 Sunfish Dr, Lapeer, MI 48446 Property Records

Lapeer County property record for 3945 Sunfish Dr, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,793 sqft · built 1990
Lot Size	0.404 acres (17,598 sqft)
Owner	2 Individual Names on File
Last Sale	$315,000 (Sep 2020)
Tax Bill	$4,019 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Sep 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`008-260-001-00`

Property Details

APN / Parcel Number

Primary APN	`008-260-001-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,793 sqft Living Area
1st Floor Area	1,208 sqft
Basement Area	1,208 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	17,598 sqft (0.404 acres)
Lot Dimensions	220 ft deep x 80 ft wide
Garage Area	440 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3945 SUNFISH DR
City	LAPEER
State	MI
Zip	48446-9610
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	09 15 000 000 00 T7N R9E LAKESHORE PARK LOT 1 & UNDIV 1/46 INT IN OUT-LOTS A & B.
Legal Subdivision	LAKESHORE PARK
Legal Lot Number	1
Jurisdiction	LAPEER MI
Township / Civil Division	ELBA
Census Block Group	2
Census Block	2006
Census Tract	336000

Owner

3945 Sunfish Dr is owned and occupied by two individuals who bought it in September 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	3945 SUNFISH DR, LAPEER, MI 48446-9610
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
Jan 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 15, 2020	Warranty Deed, Transfer CISLO TITLE, CISLO TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2020 · Amount on File
Deed Sale	Sep 15, 2020 · Amount on File
Prior Sale	Sep 15, 2020 · Amount on File
Deed Book / Page	3129 / 417
Prior Transfer Date	Aug 30, 2011
Prior Transfer Doc	0025160527
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	3945 SUNFISH DR, LAPEER, MI 48446-9610
Transaction Type	Mortgage
Record Updated	Mar 4, 2021
Title Company	EMBASSY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3459 BOWERS RD, ATTICA, MI 48412-9392

Mortgage

Document Number	0031690952
Date	Jan 29, 2021
Book Page	3169/952

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Sep 15, 2020
Property Address	3945 SUNFISH DR, LAPEER, MI 48446-9610
Document Number	0031290417
Book / Page	003129 / 000417
Instrument Date	Sep 9, 2020
Transaction Type	Transfer
Record Updated	Oct 23, 2020
Title Company	CISLO TITLE, CISLO TITLE CO

Transaction

Amount	Amount on Record
Tax	$2,363.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3459 BOWERS RD ATTICA MI 484129392, ATTICA, MI 48412-9392

Tax Assessment & Valuation

The 2025 property tax bill for 3945 Sunfish Dr was $4,019 with a homeowner's exemption, up 4.1% 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	Elba Township
Unified School District	Lapeer Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$194,900 (+6.56%)	$389,800 (+6.56%)
2025	$4,019.00 (+4.15%) Homeowner's exemption	$182,900	$365,800
2024	$3,859.00
2023		$166,800	$333,600
2022	$3,633.00

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

Flood

FEMA maps place 3945 Sunfish Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (1996–2006)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Mar 2006 · rainfall accumulation

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 3945 Sunfish Dr 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 94% of the US · lower than 87% of Michigan
Wildfire Likelihood	Under 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 62 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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