4285 Smith Rd, Lambertville, MI 48144 Property Records

Monroe County property record for 4285 Smith Rd, Lambertville, MI 48144

Property Summary

Property Type	Single Family Home
Lot Size	1.01 acres (44,388 sqft)
Owner	2 Individual Names on Record
Last Sale	$295,960 (Jun 2025)
Tax Bill	$1,029 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Jun 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-106-093-01`

Property Details

APN / Parcel Number

Primary APN	`02-106-093-01`

Exterior

Lot Area	44,388 sqft (1.01 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4285 SMITH RD
City	LAMBERTVILLE
State	MI
Zip	48144-9436
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PER SURVEY FRL SEC 6 T9S R7E 1.0187 AC BEGINNING AT NW COR OF SD FRL SEC 6 TH S 88 DEG 48'48"E ON CL OF ROW OF SMITH RD A
Legal Range	07E
Legal Township	09S
Legal Section	88
Jurisdiction	MONROE MI
Township / Civil Division	BEDFORD
Census Block Group	3
Census Block	3022
Census Tract	833300

Owner

Source: Monroe County records, as of August 18, 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	36983 W 148TH ST, RAYVILLE, MO 64084-8218
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2025	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jun 2, 2025	Warranty Deed, Transfer · Conventional Mortgage PLAZA HOME MORTGAGE INC
Nov 15, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage LOWER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2025 · Amount on Record
Deed Sale	Jun 2, 2025 · Amount on Record
Prior Sale	Jan 6, 2016 · Amount on Record
Deed Document Number	20258841
Prior Transfer Date	Sep 25, 2021
Prior Transfer Doc	0000029456
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	4285 SMITH RD, LAMBERTVILLE, MI 48144-9436
Transaction Type	Mortgage
Record Updated	Dec 8, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4285 SMITH RD, LAMBERTVILLE, MI 48144-9436

Mortgage

Document Number	0000016125
Date	Sep 30, 2025
Instrument	2025R16125

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 19, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Jun 2, 2025
Property Address	4285 SMITH RD, LAMBERTVILLE, MI 48144-9436
Document Number	0000008841
Instrument Date	May 28, 2025
Instrument	2025R08841
Transaction Type	Transfer
Record Updated	Dec 8, 2025
Title Company	FIRST AMERICAN SOLUTIONS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,220.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4285 SMITH RD, LAMBERTVILLE, MI 48144-9436

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	36983 W 148TH ST, RAYVILLE, MO 64084-8218

Mortgage

Document Number	0000019396
Date	Jun 2, 2025
Instrument	2025R19396

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2055

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE MI
Recording Date	Nov 15, 2021
Property Address	4285 SMITH RD, LAMBERTVILLE, MI 48144-9436
Document Number	0000029456
Instrument Date	Sep 25, 2021
Instrument	2021R29456
Transaction Type	Transfer
Record Updated	Jan 6, 2022
Title Company	MEYMAX TITLE AGENCY LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4285 SMITH RD, LAMBERTVILLE, MI 48144-9436

Mortgage

Document Number	0000029457
Date	Nov 15, 2021
Instrument	2021R29457

Lender

Name	LOWER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of August 15, 2025

Property Jurisdictions

Type	Name
State	Michigan
County	Monroe County
County Subdivision	Bedford Township
Unified School District	Bedford Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$148,200 (+6.7%)	$296,400 (+6.7%)
2025	$1,029.00 (-57%) Homeowner's exemption	$138,900 (+60.76%) Land $138,900	$277,800 (+60.76%) Land $277,800
2024	$2,393.00 (+8.72%)
2023	$2,201.00 Homeowner's exemption	$86,400	$172,800

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 September 8, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 97% of the US · lower than 93% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	2,500 / 2,500
Buckeye Cablesystem Cable	1,000 / 20
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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