4040 Heron Dr, Lapeer, MI 48446 Property Records

Lapeer County property record for 4040 Heron Dr, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,316 sqft · built 1994
Lot Size	0.44 acres (19,166 sqft)
Owner	2 Individual Names on File
Last Sale	$280,000 (Nov 2015)
Tax Bill	$3,886 (2025)
Deeds & Mortgages	Oct 2022 Transfer Sep 2021 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`008-260-032-00`

Property Details

APN / Parcel Number

Primary APN	`008-260-032-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,316 sqft Living Area
1st Floor Area	1,316 sqft
Basement Area	1,316 sqft
Flooring	Carpet

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Lot Area	19,166 sqft (0.44 acres)
Lot Dimensions	186 ft deep x 103 ft wide
Garage Area	576 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4040 HERON DR
City	LAPEER
State	MI
Zip	48446-9751
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SEC 22 T7N R9E LAKESHORE PARK SUB LOT 32 & & 1/46 UNDIVIDED INTEREST IN OUTLOTS A & B
Legal Range	09E
Legal Township	07N
Legal Section	22
Legal Subdivision	LAKESHORE PARK SUB
Legal Lot Number	32
Jurisdiction	LAPEER MI
Township / Civil Division	ELBA
Census Block Group	2
Census Block	2006
Census Tract	336000

Owner

4040 Heron Dr is owned and occupied by two individuals who acquired it in October 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	4040 HERON DR, LAPEER, MI 48446-9751
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
Oct 14, 2022	Intrafamily Transfer, Transfer
Sep 10, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SOVITA CU
Dec 21, 2020	Deed of Trust, Mortgage QUICKEN LOANS LLC
May 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage FLINT AREA SCH EMPS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 2, 2015 · Amount on File
Deed Sale	Nov 2, 2015 · Amount on File
Prior Sale	Nov 8, 1993 · Amount on File
Deed Book / Page	2795 / 927
Last Transfer Date	Oct 13, 2022
Transfer Doc	0033210329
Record Updated	Oct 29, 2026

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAPEER MI
Recording Date	Oct 14, 2022
Property Address	4040 HERON DR, LAPEER, MI 48446-9751
Document Number	0033210329
Book / Page	3321 / 329
Map Reference	MB 3 PG 14&15
Instrument Date	Oct 13, 2022
Transaction Type	Transfer
Record Updated	Nov 17, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4040 HERON DR, 4040, LAPEER, MI 48446-9751

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1525 LOOKOUT FARM DR NE, ADA, MI 49301-8112

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	4040 HERON DR, LAPEER, MI 48446-9751
Transaction Type	Mortgage
Record Updated	Oct 14, 2021
Title Company	CRISLO TITLE COMPANY, CISLO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4040 HERON DR, LAPEER, MI 48446-9751

Mortgage

Document Number	0032350625
Date	Sep 10, 2021
Book Page	3235/625

Lender

Name	SOVITA CU
Type	Credit Union
Address	FLINT, MI 48532

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	36 Months
Due	Sep 2, 2024

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	4040 HERON DR, LAPEER, MI 48446-9751
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4040 HERON DR, LAPEER, MI 48446-9751

Mortgage

Document Number	0031580502
Date	Dec 21, 2020
Book Page	3158/502

Lender

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

Agreement

Amount	Amount on Record
Term	178 Months
Due	Oct 1, 2035

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	4040 HERON DR, LAPEER, MI 48446-9751
Document Number	0028980048
Book / Page	002898 / 000048
Instrument Date	May 26, 2017
Transaction Type	Mortgage
Record Updated	Jul 26, 2017
Title Company	CISLO TITLE, CISIO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4040 HERON DR LAPEER MI 484469751, LAPEER, MI 48446-9751

Mortgage

Document Number	0028980048
Date	Jun 7, 2017
Book Page	002898/000048

Lender

Name	FLINT AREA SCH EMPS CU
Type	Credit Union
Address	FLINT, MI 48532

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jun 6, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 4040 Heron Dr was $3,886 with a homeowner's exemption, down 0.6% 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		$180,700 (+2.79%)	$361,400 (+2.79%)
2025	$3,886.00 (-0.64%) Homeowner's exemption	$175,800	$351,600
2024	$3,911.00
2023		$162,900	$325,800
2022	$3,575.00

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

Flood

FEMA maps place 4040 Heron 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 4040 Heron 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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