4198 McDowell Rd, Lapeer, MI 48446 Property Records

Lapeer County property record for 4198 McDowell Rd, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on File
Last Sale	$335,000 (Jun 2026)
Tax Bill	$803 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jul 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`017-027-017-65`

Property Details

APN / Parcel Number

Primary APN	`017-027-017-65`

Interior

Flooring	Carpet

Exterior

Lot Area	217,800 sqft (5 acres)

Location & Zoning

Street Address	4198 MCDOWELL RD
City	LAPEER
State	MI
Zip	48446-9697
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T8N R9E SEC 27 PART OF THE S 1/2 OF SEC 27 DES AS BEG AT A PT ON THE C/L OF MCDOWELL RD THAT IS S 1324.71 FT AND S 87 DEG W
Legal Range	09E
Legal Township	08N
Legal Section	27
Jurisdiction	LAPEER MI
Township / Civil Division	OREGON
Census Block Group	2
Census Block	2004
Census Tract	342100

Owner

Source: Lapeer County records · APN 017-027-017-65

Assessment roll updated August 14, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	4198 MCDOWELL RD, LAPEER, MI 48446-9697
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 19, 2026	Warranty Deed, Transfer · Conventional Mortgage KAYE FINANCIAL CORPORATION
Jul 25, 2018	Quit Claim Deed, Transfer Quitclaim
May 31, 2017	Deed of Trust, Mortgage · Conventional Mortgage CITIBANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 19, 2026 · Amount on Record
Deed Sale	Jun 19, 2026 · Amount on Record
Prior Sale	Jan 01, 1995
Deed Document Number	2026
Deed Book / Page	3526 / 523
Prior Transfer Date	Jul 17, 2018
Prior Transfer Doc	0029730855
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Jun 19, 2026
Property Address	4198 MCDOWELL RD, LAPEER, MI 48446-9697
Document Number	3526000523
Book / Page	3526 / 523
Instrument Date	Jun 17, 2026
Transaction Type	Transfer
Record Updated	Jul 09, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$253,762.50
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	4198 MCDOWELL RD, LAPEER, MI 48446-9697

Mortgage

Document Number	3529000323,
Date	Jun 19, 2026
Book Page	3529/323

Lender

Name	KAYE FINANCIAL CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAPEER MI
Recording Date	Jul 25, 2018
Property Address	4198 MCDOWELL RD, LAPEER, MI 48446-9697
Document Number	0029730855
Book / Page	002973 / 000855
Instrument Date	Jul 17, 2018
Transaction Type	Transfer
Record Updated	Sep 05, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Lifetime Benefit
Address	4198 MCDOWELL RD LAPEER MI 484469697, LAPEER, MI 48446-9697

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	4198 MCDOWELL RD, LAPEER, MI 48446-9697
Document Number	0028980481
Instrument Date	May 31, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4198 MCDOWELL RD LAPEER MI 484469697, LAPEER, MI 48446-9697

Mortgage

Document Number	0028980481
Date	Jun 08, 2017
Book Page	002898/000481

Lender

Name	CITIBANK
Type	Federal Savings Bank
Address	O'FALLON, MO 63368-2240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jun 07, 2042

Tax Assessment & Valuation

Source: Lapeer County records · Assessment roll updated August 14, 2025 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Lapeer County
County Subdivision	Oregon Township
Unified School District	Lapeer Community Schools (KG - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$803.00 (-54.81%) Homeowner's exemption	$165,300 (+20.92%)	$330,600 (+20.92%)
2024	$1,777.00 (+9.35%)
2023		$136,700	$273,400
2022	$1,625.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of May 4, 2016 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Bitwise Fixed Wireless	100 / 10
AT&T Fixed Wireless	25 / 3

May also be available: T-Mobile USA.

Based on FCC filings for 11 locations within half a mile of this property.

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