409 Adams St, Lapeer, MI 48446 Property Records

Lapeer County property record for 409 Adams St, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,320 sqft · built 1900
Lot Size	0.138 acres (6,011 sqft)
Owner	2 Individual Names on Record
Last Sale	$160,000 (May 2021)
Tax Bill	$3,403 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Aug 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`L20-65-800-040-00`

Property Details

APN / Parcel Number

Primary APN	`L20-65-800-040-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,320 sqft Living Area
1st Floor Area	754 sqft
Basement Area	754 sqft
Flooring	Carpet

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	6,011 sqft (0.138 acres)
Lot Dimensions	100 ft deep x 60 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	409 ADAMS ST
City	LAPEER
State	MI
Zip	48446-1902
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 1 FM
Legal Description	CITY OF LAPEER ORIGINAL PLAT NW 1/4 LOT 6 AND S 10 FEET OF LOT 7, BLOCK 63 LIBER D PG 1
Legal Subdivision	CITY OF LAPEER ORIGINAL
Legal Block	63
Legal Lot Number	6-7
Jurisdiction	LAPEER MI
Township / Civil Division	LAPEER
Census Block Group	1
Census Block	1032
Census Tract	337000

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	409 ADAMS ST, LAPEER, MI 48446-1902
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2021	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU
Aug 16, 2019	Loan Modification, Mortgage CARRINGTON MTG SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2021 · Amount on Record
Deed Sale	May 12, 2021 · Amount on Record
Prior Sale	May 18, 2001 · Amount on Record
Deed Book / Page	3202 / 288
Record Updated	Oct 29, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	May 12, 2021
Property Address	409 ADAMS ST, LAPEER, MI 48446-1902
Document Number	0032020288
Book / Page	3202 / 288
Map Reference	LB D PG 1
Instrument Date	May 7, 2021
Transaction Type	Transfer
Record Updated	Jun 17, 2021
Title Company	CISLO TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	409 ADAMS ST, 409, LAPEER, MI 48446-1902

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1129 SHERWOOD DR, LAPEER, MI 48446-1577

Mortgage

Document Number	0032050379
Date	May 21, 2021
Book Page	3205/379

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

August 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LAPEER MI
Property Address	409 ADAMS ST, LAPEER, MI 48446-1902
Document Number	0030470525
Instrument Date	Aug 16, 2019
Transaction Type	Mortgage
Record Updated	Oct 28, 2019
Title Company	VYLLA TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	409 ADAMS ST LAPEER MI 484461902, LAPEER, MI 48446-1902

Mortgage

Document Number	0030470525
Date	Sep 17, 2019
Book Page	003047/000525

Lender

Name	CARRINGTON MTG SVCS
Address	ANAHEIM, CA 92806

Agreement

Amount	Amount Recorded

Interest

Rate	4.37%

Tax Assessment & Valuation

Source: Lapeer County assessment roll, as of September 24, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Lapeer County
Municipality	Lapeer City
Unified School District	Lapeer Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$79,000 (-1.5%)	$158,000 (-1.5%)
2025	$3,403.00 (+14.39%)	$80,200 (+18.64%)	$160,400 (+18.64%)
2023		$67,600	$135,200
2022	$2,975.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 Claims	1 (1997)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 1997 · river or lake flooding

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 99.1% of the US · lower than 98.4% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF LAPEER serves 9,023 people · EPA ID MI0003780
Water Source	Purchased surface water from GREAT LAKES WATER AUTHORITY
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jan 2023
Monitoring and Reporting	11 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 262 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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