4010 Genesee Rd, Lapeer, MI 48446 Property Records

Lapeer County property record for 4010 Genesee Rd, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,016 sqft · built 1980
Lot Size	7 acres (304,920 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,139 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`008-010-005-00`

Property Details

APN / Parcel Number

Primary APN	`008-010-005-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,016 sqft Living Area
1st Floor Area	2,016 sqft
Basement Area	2,016 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Lot Area	304,920 sqft (7 acres)
Garage Area	936 sqft
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4010 GENESEE RD
City	LAPEER
State	MI
Zip	48446-3608
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	08 23 322 000 00 SEC 10 T7N R9E COM ON E SEC LINE AT C/L OF GENESEE RD, TH WLY ON C/L 330 FT, TH N TO RR R/W, TH ELY TO SEC
Legal Range	09E
Legal Township	07N
Legal Section	10
Jurisdiction	LAPEER MI
Township / Civil Division	ELBA
Census Block Group	1
Census Block	1031
Census Tract	336000

Owner

4010 Genesee Rd is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	4010 GENESEE RD, LAPEER, MI 48446-3608
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 27, 2023	Deed of Trust, Mortgage ELGA CREDIT UNION
Oct 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage BLG HOLDINGS INC
Nov 12, 2018	Deed of Trust, Mortgage · Conventional Mortgage ELGA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	4010 GENESEE RD, LAPEER, MI 48446-3608
Transaction Type	Mortgage
Record Updated	Jan 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4010 GENESEE RD, LAPEER, MI 48446-3608

Mortgage

Document Number	0033780006
Date	Nov 27, 2023
Book Page	3378/6

Lender

Name	ELGA CREDIT UNION
Type	Credit Union
Address	6065 GRAND POINTE BLVD, GRAND BLANC, MI 48439

Agreement

Amount	Amount on Record
Term	60 Months
Due	Nov 10, 2028

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	4010 GENESEE RD, LAPEER, MI 48446-3608
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4010 GENESEE RD, LAPEER, MI 48446-3608

Mortgage

Document Number	0031370797
Date	Oct 15, 2020
Book Page	3137/797

Lender

Name	BLG HOLDINGS INC
Type	Non-Lending Institution
Address	FLINT, MI 48532

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2040

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	4010 GENESEE RD, LAPEER, MI 48446-3608
Document Number	0029960474
Instrument Date	Nov 12, 2018
Transaction Type	Mortgage
Record Updated	Jan 2, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4010 GENESEE RD LAPEER MI 484463608, LAPEER, MI 48446-3608

Mortgage

Document Number	0029960474
Date	Nov 20, 2018
Book Page	002996/000474

Lender

Name	ELGA CU
Type	Credit Union
Address	BURTON, MI 48519

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Nov 19, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 4010 Genesee Rd was $3,139 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	Elba Township
Unified School District	Lapeer Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$215,000 (+2.53%)	$430,000 (+2.53%)
2025	$3,139.00 Homeowner's exemption	$209,700	$419,400
2023		$185,000	$370,000
2022	$2,728.00

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

Flood

FEMA maps place 4010 Genesee Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1998.

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
Nearby Flood Claims	2 (1998–2013)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Feb 2013 · 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 4010 Genesee 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 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Starlink Satellite	280 / 30
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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