445 N Main St, Lapeer, MI 48446 Property Records

Lapeer County property record for 445 N Main St, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,896 sqft · built 1900
Lot Size	0.172 acres (7,492 sqft)
Owner	Individual Name on Record
Last Sale	$65,700 (Dec 2007)
Tax Bill	$920 (2025)
Deeds & Mortgages	Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`L20-64-800-040-00`

Property Details

APN / Parcel Number

Primary APN	`L20-64-800-040-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,896 sqft Living Area
1st Floor Area	1,176 sqft
Basement Area	384 sqft
Flooring	Carpet

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Garage Area	1,470 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	445 N MAIN ST
City	LAPEER
State	MI
Zip	48446-1922
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 1 FM
Legal Description	CITY OF LAPEER ORIGINAL PLAT NW 1/4 N 1/2 OF LOT 9 AND ALL OF LOT 10, BLOCK 61
Legal Subdivision	CITY OF LAPEER ORIGINAL
Legal Block	61
Legal Lot Number	9-10
Jurisdiction	LAPEER MI
Township / Civil Division	LAPEER
Census Block Group	1
Census Block	1030
Census Tract	337000

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Piety Hill Historic District listed 1985 · 32 contributing resources · NRIS 85001631

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Lapeer County records, as of May 27, 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	445 N MAIN ST, LAPEER, MI 48446-1922
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 27, 2007 · Amount on Record
Deed Sale	Dec 27, 2007 · Amount on Record
Prior Sale	Mar 7, 2007 · Amount on Record
Deed Book / Page	2304 / 71
Last Transfer Date	Feb 18, 2020
Transfer Doc	0030820170
Record Updated	Sep 20, 2026

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAPEER MI
Recording Date	Feb 26, 2020
Property Address	445 N MAIN ST, LAPEER, MI 48446-1922
Document Number	0030820170
Book / Page	003082 / 000170
Instrument Date	Feb 18, 2020
Transaction Type	Transfer
Record Updated	Jun 1, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 N MAIN ST LAPEER MI 484461922, LAPEER, MI 48446-1922

Mortgage

Document Number	30820172
Date	Feb 26, 2020
Book Page	003082/000172

Lender

Name	DORT FIN'L CU
Address	GRAND BLANC, MI 48439

Agreement

Amount	Amount Recorded
Term	300 Months
Due	Feb 25, 2045

Interest

Rate Type	Adjustable Rate
Rate	4.87%

Tax Assessment & Valuation

Source: Lapeer County assessment roll, as of August 14, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$920.00 (-31.39%) Homeowner's exemption	$81,800 (+14.89%)	$163,600 (+14.89%)
2024	$1,341.00 (+10.46%)
2023		$71,200	$142,400
2022	$1,214.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 Claims	1 (1997)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 1997 · river or lake flooding

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	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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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