4078 Heron Dr, Lapeer, MI 48446 Property Records

Lapeer County property record for 4078 Heron Dr, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,188 sqft · built 2000
Lot Size	0.281 acres (12,240 sqft)
Owner	2 Individual Names on File
Last Sale	$675,000 (Dec 2023)
Tax Bill	$8,324 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Dec 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`008-260-026-00`

Property Details

APN / Parcel Number

Primary APN	`008-260-026-00`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,188 sqft Living Area
1st Floor Area	2,182 sqft
Basement Area	2,182 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Lot Area	12,240 sqft (0.281 acres)
Lot Dimensions	163 ft deep x 75 ft wide
Garage Area	528 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4078 HERON DR
City	LAPEER
State	MI
Zip	48446-9751
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	09 17 400 000 00 T7N R9E LAKESHORE PARK LOT 26 AND UNDIVIDED & 1/46 INT IN OUTLOTS A & B
Legal Subdivision	LAKESHORE PARK
Legal Lot Number	26
Jurisdiction	LAPEER MI
Township / Civil Division	ELBA
Census Block Group	2
Census Block	2006
Census Tract	336000

Owner

4078 Heron Dr is owned and occupied by two individuals who bought it in December 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	4078 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
Apr 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage DOCO CREDIT UNION
Dec 12, 2023	Warranty Deed, Transfer · Conventional Mortgage DOW CHEMICAL EMPLOYEES CU
Feb 1, 2021	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 INC
Jan 24, 2017	Deed of Trust, Mortgage · Line of Credit GENISYS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2023 · Amount on File
Deed Sale	Dec 12, 2023 · Amount on File
Prior Sale	Feb 1, 2021 · Amount on File
Deed Book / Page	3380 / 79
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Recording Date	Apr 17, 2026
Property Address	4078 HERON DR, LAPEER, MI 48446-9751
Document Number	3515000436
Book / Page	3515 / 436
Instrument Date	Apr 13, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4078 HERON DR, LAPEER, MI 48446-9751

Mortgage

Document Number	3515000436,
Date	Apr 17, 2026
Book Page	3515/436

Lender

Name	DOCO CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	May 1, 2036

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Dec 12, 2023
Property Address	4078 HERON DR, LAPEER, MI 48446-9751
Document Number	0033800079
Book / Page	3380 / 79
Map Reference	LB 3 PG 14 AND 15
Instrument Date	Dec 11, 2023
Transaction Type	Transfer
Record Updated	Jan 15, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,062.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4078 HERON DR, LAPEER, MI 48446-9751

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7178 CEDAR LAKE RD, OSCODA, MI 48750-9441

Mortgage

Document Number	0000338081
Date	Dec 12, 2023
Instrument	3380/81

Lender

Name	DOW CHEMICAL EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

Mortgage

Document Number	0033800081
Date	Dec 12, 2023
Book Page	3380/81

Lender

Name	DOW CHEMICAL EMPLOYEES CU
Type	Credit Union
Address	600 E LYON RD, MIDLAND, MI 48640

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Feb 1, 2021
Property Address	4078 HERON DR, LAPEER, MI 48446-9751
Document Number	0031700589
Book / Page	3170 / 589
Map Reference	LB 3 PG 14&15
Instrument Date	Jan 29, 2021
Transaction Type	Transfer
Record Updated	Jul 5, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,275.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4078 HERON DR, 4078, LAPEER, MI 48446-9751

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	346 GOLFSIDE DR, LAPEER, MI 48446-7648

Mortgage

Document Number	3170591
Date	Feb 1, 2021
Instrument	3170/591

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 1, 2036

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	4078 HERON DR, LAPEER, MI 48446-9751
Document Number	0028800996
Book / Page	002880 / 000996
Instrument Date	Jan 24, 2017
Transaction Type	Mortgage
Record Updated	Jul 10, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4078 HERON DR LAPEER MI 484469751, LAPEER, MI 48446-9751

Mortgage

Document Number	0028800996
Date	Mar 7, 2017
Book Page	002880/000996

Lender

Name	GENISYS CU
Type	Credit Union
Address	AUBURN HILLS, MI 48326-2947

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4078 Heron Dr was $8,324 with a homeowner's exemption, up 1.8% 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		$425,900 (-14.48%)	$851,800 (-14.48%)
2025	$8,324.00 (+1.85%) Homeowner's exemption	$498,000	$996,000
2024	$8,173.00
2023		$391,400	$782,800
2022	$7,057.00

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

Flood

FEMA maps place 4078 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 4078 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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