415 Golf Rd, Lapeer, MI 48446 Property Records

Lapeer County property record for 415 Golf Rd, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,732 sqft · built 1996
Lot Size	2.07 acres (90,169 sqft)
Owner	2 Individual Names on Record
Last Sale	$205,000 (Sep 2003)
Tax Bill	$1,813 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Feb 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`008-011-040-10`

Property Details

APN / Parcel Number

Primary APN	`008-011-040-10`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,732 sqft Living Area
1st Floor Area	852 sqft
Basement Area	852 sqft
Flooring	Carpet

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Lot Area	90,169 sqft (2.07 acres)
Garage Area	484 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	415 GOLF RD
City	LAPEER
State	MI
Zip	48446-3603
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	SEC 11 T7N R9E PARCEL #3: BEG AT A PT ON W SEC LINE THAT IS S 1 DEG W 339.86 FT FROM W 1/4 POST: TH ALNG W SEC LINE S 1 DEG W
Legal Range	09E
Legal Township	07N
Legal Section	11
Jurisdiction	LAPEER MI
Township / Civil Division	ELBA
Census Block Group	1
Census Block	1033
Census Tract	336000

Owner

Source: Lapeer County records, as of September 24, 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	415 GOLF RD, LAPEER, MI 48446-3603
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 8, 2019	Deed of Trust, Mortgage · VA Mortgage NORTH AMERICAN SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2003 · Amount on Record
Deed Sale	Sep 2, 2003 · Amount on Record
Prior Sale	Sep 28, 1995 · Amount on Record
Deed Book / Page	1799 / 490
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	415 GOLF RD, LAPEER, MI 48446-3603
Transaction Type	Mortgage
Record Updated	Jan 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 GOLF RD, LAPEER, MI 48446-3603

Mortgage

Document Number	0032610566
Date	Dec 21, 2021
Book Page	3261/566

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2037

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	415 GOLF RD, LAPEER, MI 48446-3603
Document Number	0030090242
Instrument Date	Feb 8, 2019
Transaction Type	Mortgage
Record Updated	Mar 28, 2019
Title Company	TRANSTAR NATIONAL TITLE, TRANSTAR NAT'L TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	415 GOLF RD LAPEER MI 484463603, LAPEER, MI 48446-3603

Mortgage

Document Number	0030090242
Date	Feb 20, 2019
Book Page	003009/000242

Lender

Name	NORTH AMERICAN SVGS BK
Type	Federal Savings Bank
Address	GRANDVIEW, MO 64030

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 19, 2034

Tax Assessment & Valuation

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		$143,000 (+2.29%)	$286,000 (+2.29%)
2025	$1,813.00 (+15.04%) Homeowner's exemption	$139,800 (+4.56%)	$279,600 (+4.56%)
2023		$133,700	$267,400
2022	$1,576.00

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

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 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

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	Direct burnable vegetation

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	WEDGEWOOD GOLFSIDE CONDO ASSOC private · serves 125 people · EPA ID MI0006971
Water Source	Groundwater
Last State Inspection	Jun 2023

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless · DSL	100 / 20
T-Mobile Fixed Wireless	25 / 3

May also be available: Bitwise.

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