Lapeer County property record for 431 Clay St, Lapeer, MI 48446
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,758 sqft · built 1940 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $135,000 (Aug 2018) |
| Tax Bill | $2,648 (2025) |
| Deeds & Mortgages | Aug 2018 Sale & Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | L20-06-400-040-00 |
| Primary APN | L20-06-400-040-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,758 sqft Living Area |
| 1st Floor Area | 1,066 sqft |
| Basement Area | 1,066 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Lot Area | 4,792 sqft (0.11 acres) |
| Lot Dimensions | 80 ft deep x 60 ft wide |
| Garage Area | 265 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 431 CLAY ST |
|---|---|
| City | LAPEER |
| State | MI |
| Zip | 48446-2208 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OS1 OFF |
| Legal Description | CITY OF LAPEER LAPEER VILLAGE PLAT NWLY 80 FT OF LOT 51 (L=1 P=73 SEC 5 T7N-R10E) |
| Legal Range | 10E |
| Legal Township | 07N |
| Legal Section | 05 |
| Legal Subdivision | CITY OF LAPEER R LAPEER VILLAG |
| Legal Lot Number | 51 |
| Jurisdiction | LAPEER MI |
| Township / Civil Division | LAPEER |
| Census Block Group | 3 |
| Census Block | 3028 |
| Census Tract | 337500 |
431 Clay St is owned and occupied by two individuals who bought it in August 2018.
Source: Lapeer County records, as of September 24, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 431 CLAY ST, LAPEER, MI 48446-2208 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 8, 2018 · Amount on File |
| Deed Sale | Aug 8, 2018 · Amount on File |
| Prior Sale | Aug 8, 2018 · Amount on File |
| Deed Document Number | 2018297600873 |
| Deed Book / Page | 2976 / 873 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAPEER MI |
| Recording Date | Aug 8, 2018 |
| Property Address | 431 CLAY ST, LAPEER, MI 48446-2208 |
| Document Number | 0029760873 |
| Book / Page | 2976 / 873 |
| Instrument Date | Aug 7, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jul 5, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 164 SARAH FERN CT, LAPEER, MI 48446-4136 |
| Document Number | 0029760875 |
|---|---|
| Date | Aug 8, 2018 |
| Book Page | 2976/875 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | Sep 1, 2047 |
The 2025 property tax bill for 431 Clay St was $2,648 with a homeowner's exemption.
Source: Lapeer County assessment roll, as of September 24, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Lapeer County |
| Municipality | Lapeer City |
| Unified School District | Lapeer Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $114,200 (+5.94%) | $228,400 (+5.94%) | |
| 2025 | $2,648.00 Homeowner's exemption | $107,800 | $215,600 |
| 2023 | $92,000 | $184,000 | |
| 2022 | $2,305.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 431 Clay St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
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.
The area around 431 Clay St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
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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