Lapeer County property record for 4318 Phillips Rd, Metamora, MI 48455
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,772 sqft · built 1995 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,290 (2025) |
| Deeds & Mortgages | Dec 2021 Sale & Mortgage Jan 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-015-011-20 |
| Primary APN | 010-015-011-20 |
|---|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Building Area | 1,772 sqft Living Area |
| 1st Floor Area | 1,772 sqft |
| Basement Area | 1,772 sqft |
| Unfinished Basement | 1,772 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Lot Area | 217,800 sqft (5 acres) |
| Garage Area | 1,706 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 4318 PHILLIPS RD |
|---|---|
| City | METAMORA |
| State | MI |
| Zip | 48455-9747 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR |
| Legal Description | T6N R9E, SEC 15 PT OF E 1/2 OF SW 1/4 BEG AT A PT ON S SEC LINE THAT IS N 89 DEG 58'00 W 658.06 FT FROM S 1/4 CORN; TH CONT N |
| Legal Range | 09E |
| Legal Township | 06N |
| Legal Section | 15 |
| Jurisdiction | LAPEER MI |
| Township / Civil Division | HADLEY |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 342000 |
4318 Phillips Rd is owned and occupied by an individual who acquired it in December 2021.
Source: Lapeer County records, as of September 24, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4318 PHILLIPS RD, METAMORA, MI 48455-9747 |
| 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.
| Date | Document |
|---|---|
| Dec 15, 2021 | Warranty Deed, Transfer · Conventional Mortgage HALL FINANCIAL GROUP |
| Jan 16, 2020 | Deed of Trust, Mortgage GENISYS CU |
| Sep 10, 2019 | Trustee's Deed, Construction Loan · Line of Credit FIRST ST BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 15, 2021 |
| Deed Sale | Dec 15, 2021 |
| Prior Sale | Aug 19, 2015 · Amount on File |
| Deed Book / Page | 3260 / 472 |
| Prior Transfer Date | Aug 10, 2015 |
| Prior Transfer Doc | 0027810142 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAPEER MI |
| Recording Date | Dec 15, 2021 |
| Property Address | 4318 PHILLIPS RD, METAMORA, MI 48455-9747 |
| Document Number | 0032600472 |
| Book / Page | 3260 / 472 |
| Instrument Date | Dec 10, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jan 21, 2022 |
| Title Company | AMERICS TITLE CORPORATION, AMERICAS TITLE CORPORATION |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,525.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4318 PHILLIPS RD, 4318, METAMORA, MI 48455-9747 |
| Name | Verified Name |
|---|---|
| Address | 2840 RHINEBERRY RD, ROCHESTER HILLS, MI 48309-1912 |
| Document Number | 0003260474 |
|---|---|
| Date | Dec 15, 2021 |
| Instrument | 3260/474 |
| Name | HALL FINANCIAL GROUP |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 4318 PHILLIPS RD, METAMORA, MI 48455-9747 |
| Document Number | 0030790406 |
| Instrument Date | Jan 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2020 |
| Title Company | MADISON SETTLEMENT SERVICES, MADISON SETTLEMENT SVCS |
| Name | Verified Name |
|---|---|
| Address | 4318 PHILLIPS RD METAMORA MI 484559747, METAMORA, MI 48455-9747 |
| Document Number | 0030790406 |
|---|---|
| Date | Feb 12, 2020 |
| Book Page | 003079/000406 |
| Name | GENISYS CU |
|---|---|
| Type | Credit Union |
| Address | AUBURN HILLS, MI 48326 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Feb 11, 2035 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | LAPEER MI |
| Recording Date | Sep 10, 2019 |
| Property Address | 4318 PHILLIPS RD, METAMORA, MI 48455-9747 |
| Document Number | 0030450979 |
| Book / Page | 003045 / 000979 |
| Instrument Date | Aug 26, 2019 |
| Transaction Type | Construction Loan |
| Record Updated | Oct 21, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 4318 PHILLIPS RD METAMORA MI 484559747, METAMORA, MI 48455-9747 |
| Document Number | 30450979 |
|---|---|
| Date | Sep 10, 2019 |
| Book Page | 003045/000979 |
| Name | FIRST ST BK |
|---|---|
| Type | Bank |
| Address | ST CLAIR SHORES, MI 48080 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Sep 9, 2020 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 4318 Phillips Rd was $4,290 with a homeowner's exemption.
Source: Lapeer County assessment roll, as of September 24, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Lapeer County |
| County Subdivision | Hadley Township |
| Unified School District | Lapeer Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $255,800 (+12.05%) | $511,600 (+12.05%) | |
| 2025 | $4,290.00 Homeowner's exemption | $228,300 | $456,600 |
| 2023 | $200,600 | $401,200 | |
| 2022 | $3,726.00 |
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.
FEMA maps place 4318 Phillips Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective May 4, 2016
| 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 risk around 4318 Phillips Rd is low, with a 0.01% annual chance of 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.
Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
| Brightspeed DSL | 40 / 3 |
| Bitwise Fixed Wireless | 25 / 5 |
| T-Mobile Fixed Wireless | 25 / 3 |
| AT&T Fixed Wireless | 25 / 3 |
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