440 E 5th St, Imlay City, MI 48444 Property Records

Lapeer County property record for 440 E 5th St, Imlay City, MI 48444

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 996 sqft · built 1900
Lot Size	0.172 acres (7,492 sqft)
Owner	Individual Name on Record
Last Sale	$191,000 (Jul 2022)
Tax Bill	$2,956 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Nov 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`I19-69-100-000-00`

Property Details

APN / Parcel Number

Primary APN	`I19-69-100-000-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	996 sqft Living Area
1st Floor Area	728 sqft
Basement Area	680 sqft
Flooring	Carpet

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	440 E 5TH ST
City	IMLAY CITY
State	MI
Zip	48444-1162
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 960
Legal Description	CITY OF IMLAY CITY PALMERS FIRST ADD. TO THE ORIGINAL PLAT LOT 4 BLK 28
Legal Subdivision	CITY OF IMLAY CITY PALMERS FIRST ADD
Legal Block	28
Legal Lot Number	4
Jurisdiction	LAPEER MI
Township / Civil Division	IMLAY CITY
Census Block Group	1
Census Block	1017
Census Tract	339500

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	Individual Name on Record
Mailing Address	440 E 5TH ST, IMLAY CITY, MI 48444-1162
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2022	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 INC
Nov 1, 2021	Deed of Trust, Mortgage · Line of Credit CHOICEONE BANK
Feb 23, 2018	Deed of Trust, Mortgage · Conventional Mortgage SECURITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 8, 2022 · Amount on Record
Deed Sale	Jul 8, 2022 · Amount on Record
Prior Sale	Oct 29, 1999 · Amount on Record
Deed Book / Page	3304 / 181
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Jul 8, 2022
Property Address	440 E 5TH ST, IMLAY CITY, MI 48444-1162
Document Number	0033040181
Book / Page	3304 / 181
Map Reference	LB 9 PG 617
Instrument Date	Jul 7, 2022
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,432.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6433 ATTICA RD, 6433, ATTICA, MI 48412

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 E 5TH ST, IMLAY CITY, MI 48444-1162

Mortgage

Document Number	0033040434
Date	Jul 12, 2022
Book Page	3304/434

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company
Address	STERLING HEIGHTS, MI 48314

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	440 E 5TH ST, IMLAY CITY, MI 48444-1162
Transaction Type	Mortgage
Record Updated	Dec 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 E 5TH ST, IMLAY CITY, MI 48444-1162

Mortgage

Document Number	0032490488
Date	Nov 1, 2021
Book Page	3249/488

Lender

Name	CHOICEONE BANK
Type	Bank
Address	KENT CITY, MI 49330

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	118 Months
Due	Sep 24, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	440 E 5TH ST, IMLAY CITY, MI 48444-1162
Document Number	0029520247
Instrument Date	Feb 23, 2018
Transaction Type	Mortgage
Record Updated	Apr 26, 2018
Title Company	HOMELAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	440 E 5TH ST IMLAY CITY MI 484441162, IMLAY CITY, MI 48444-1162

Mortgage

Document Number	0029520247
Date	Mar 23, 2018
Book Page	002952/000247

Lender

Name	SECURITY CU
Address	HOLLY, MI 48442

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Lapeer County assessment roll, as of September 24, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Lapeer County
Municipality	Imlay City
Unified School District	Imlay City Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$70,200 (-4.88%)	$140,400 (-4.88%)
2025	$2,956.00 (+77.86%) Homeowner's exemption	$73,800 (+17.52%)	$147,600 (+17.52%)
2023		$62,800	$125,600
2022	$1,662.00

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.

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	2 in force
Nearby Flood Claims	3 (2009)
Most Recent Claim	Jun 2009

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	None beyond ember reach

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	CITY OF IMLAY CITY serves 3,579 people · EPA ID MI0003340
Water Source	Purchased surface water from GREAT LAKES WATER AUTHORITY
Last State Inspection	Jun 2025
Lead	4 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2022
Monitoring and Reporting	1 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 250 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

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