411 N Main St, Lapeer, MI 48446 Property Records

Lapeer County property record for 411 N Main St, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,355 sqft · built 1936
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Individual Names on Record
Last Sale	$299,000 (Sep 2026)
Tax Bill	$2,026 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Sep 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`L20-64-700-040-00`

Property Details

APN / Parcel Number

Primary APN	`L20-64-700-040-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Building Area	2,355 sqft Living Area
1st Floor Area	1,365 sqft
Basement Area	960 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1936
Effective Year Built	Effective 1936
Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Garage Area	420 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	411 N MAIN ST
City	LAPEER
State	MI
Zip	48446-1922
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 1/2 OF LOT 7, BLOCK 61
Legal Subdivision	CITY OF LAPEER ORIGINAL
Legal Block	61
Legal Lot Number	6-7
Jurisdiction	LAPEER MI
Township / Civil Division	LAPEER
Census Block Group	1
Census Block	1030
Census Tract	337000

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Piety Hill Historic District listed 1985 · 32 contributing resources · NRIS 85001631

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Lapeer County records, as of October 16, 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	721 S WINDING DR, WATERFORD, MI 48328-4167
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2026	Warranty Deed, Subdivision Related Transfer · VA Mortgage MORTGAGE CENTER LLC
Sep 24, 2026	Deed of Trust, Mortgage · VA Mortgage MORTGAGE CENTER LLC
Mar 31, 2026	Warranty Deed, Transfer HOME SELLERS OF MI INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2026 · Amount on Record
Deed Sale	Sep 28, 2026 · Amount on Record
Prior Sale	Mar 31, 2026 · Amount on Record
Deed Book / Page	3546 / 239
Prior Transfer Date	Jun 28, 2010
Prior Transfer Doc	0024510996
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Sep 28, 2026
Property Address	411 N MAIN ST, LAPEER, MI 48446-1922
Document Number	3546000239
Book / Page	3546 / 239
Instrument Date	Sep 23, 2026
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$226,492.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	721 S WINDING DR, WATERFORD, MI 48328-4167

Mortgage

Document Number	3545000996,
Date	Sep 28, 2026
Book Page	3545/996

Lender

Name	MORTGAGE CENTER LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Recording Date	Sep 24, 2026
Property Address	411 N MAIN ST, LAPEER, MI 48446-1922
Document Number	3545000996
Book / Page	3545 / 996
Instrument Date	Sep 23, 2026
Transaction Type	Mortgage
Record Updated	Oct 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	721 S WINDING DR, WATERFORD, MI 48328-4167
Investor	Possibly a Property Investor

Mortgage

Document Number	3545000996,
Date	Sep 24, 2026
Book Page	3545/996

Lender

Name	MORTGAGE CENTER LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Mar 31, 2026
Property Address	411 N MAIN ST, LAPEER, MI 48446-1922
Document Number	0035110861
Book / Page	3511 / 861
Map Reference	LB D PG 61
Instrument Date	Feb 6, 2026
Transaction Type	Transfer
Record Updated	Apr 23, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$900.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	133 STONY LAKE DR, OXFORD, MI 48371-6739

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27780 PRATT RD, RICHMOND, MI 48062-2088

Mortgage

Document Number	0035090512
Date	Mar 18, 2026
Book Page	3509/512

Lender

Name	HOME SELLERS OF MI INC
Type	Non-Lending Institution
Address	304 IROQUOIS AVE, PRUDENVILLE, MI 48651

Agreement

Amount	Amount Recorded
Term	19 Months
Due	Oct 6, 2027

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		$89,200 (-1.11%)	$178,400 (-1.11%)
2025	$2,026.00 (-17.91%)	$90,200 (+15.35%)	$180,400 (+15.35%)
2024	$2,468.00 (+53.67%)
2023		$78,200	$156,400
2022	$1,606.00

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	Not rated no burnable land within 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 419 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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