3964 Merwin Rd, Lapeer, MI 48446 Property Records

Lapeer County property record for 3964 Merwin Rd, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,728 sqft · built 1990
Lot Size	2.77 acres (120,661 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,287 (2025)
Deeds & Mortgages	Oct 2021 Line of Credit Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`008-026-016-00`

Property Details

APN / Parcel Number

Primary APN	`008-026-016-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,728 sqft Living Area
1st Floor Area	1,728 sqft
Basement Area	1,280 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	120,661 sqft (2.77 acres)
Garage Area	560 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	3964 MERWIN RD
City	LAPEER
State	MI
Zip	48446-9799
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	SEC 26 T7N R9E COM S 89 DEG 20'47 200.07 FT FROM W 1/4POST TH CONT S 89 DEG 20'47 E 341.9 FT TH N 0 DEG 10'16 E 412.19 FT, TH
Legal Range	09E
Legal Township	07N
Legal Section	26
Jurisdiction	LAPEER MI
Township / Civil Division	ELBA
Census Block Group	3
Census Block	3001
Census Tract	336000

Owner

Source: Lapeer County records, as of September 28, 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	3964 MERWIN RD, LAPEER, MI 48446-9799
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2021	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jul 29, 2021	Deed of Trust, Mortgage QUICKEN LOANS LLC
Jun 6, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 4, 2024
Transfer Doc	0034280899
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	3964 MERWIN RD, LAPEER, MI 48446-9799
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3964 MERWIN RD, LAPEER, MI 48446-9799

Mortgage

Document Number	0032460394
Date	Oct 20, 2021
Book Page	3246/394

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 2, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	3964 MERWIN RD, LAPEER, MI 48446-9799
Transaction Type	Mortgage
Record Updated	Sep 3, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3964 MERWIN RD, LAPEER, MI 48446-9799

Mortgage

Document Number	0032240297
Date	Jul 29, 2021
Book Page	3224/297

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	3964 MERWIN RD, LAPEER, MI 48446-9799
Document Number	0028990846
Book / Page	002899 / 000846
Instrument Date	Jun 6, 2017
Transaction Type	Mortgage
Record Updated	Jul 28, 2017
Title Company	TITLE SOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3964 MERWIN RD LAPEER MI 484469799, LAPEER, MI 48446-9799

Mortgage

Document Number	0028990846
Date	Jun 15, 2017
Book Page	002899/000846

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 14, 2032

Tax Assessment & Valuation

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		$153,300 (+2.06%)	$306,600 (+2.06%)
2025	$2,287.00 (+4.14%) Homeowner's exemption	$150,200 (+5.11%)	$300,400 (+5.11%)
2024	$2,196.00 (+10.52%)
2023		$142,900	$285,800
2022	$1,987.00

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 · 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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Merwin Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures