445 Stump Rd, Lapeer, MI 48446 Property Records

Lapeer County property record for 445 Stump Rd, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,384 sqft · built 1974
Lot Size	8 acres (348,480 sqft)
Owner	Individual Name on Record
Last Sale	$21,000 (Mar 2020)
Tax Bill	$2,866 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Mar 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`014-008-028-00`

Property Details

APN / Parcel Number

Primary APN	`014-008-028-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,384 sqft Living Area
1st Floor Area	1,384 sqft
Basement Area	1,384 sqft
Unfinished Basement	1,384 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Lot Area	348,480 sqft (8 acres)
Garage Area	480 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	445 STUMP RD
City	LAPEER
State	MI
Zip	48446-8618
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	SEC 8 T8N R10E W 1/2 OF NW 1/4 OF SW 1/4 EX COM S 1 DEG 44' E 510.01 FT FROM W 1/4 POST, E 702.09 FT, S 0 DEG 54' 16 E 820.63
Legal Range	10E
Legal Township	08N
Legal Section	08
Jurisdiction	LAPEER MI
Township / Civil Division	MAYFIELD
Census Block Group	1
Census Block	1006
Census Tract	334000

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	445 STUMP RD, LAPEER, MI 48446-8618
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Mar 18, 2020	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
May 10, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 18, 2020 · Amount on Record
Deed Sale	Mar 18, 2020 · Amount on Record
Prior Sale	Mar 18, 2020 · Amount on Record
Deed Book / Page	3087 / 584
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	445 STUMP RD, LAPEER, MI 48446-8618
Transaction Type	Mortgage
Record Updated	May 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 STUMP RD, LAPEER, MI 48446-8618

Mortgage

Document Number	0031890313
Date	Apr 5, 2021
Book Page	3189/313

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Mar 18, 2020
Property Address	445 STUMP RD, LAPEER, MI 48446-8618
Document Number	0030870584
Book / Page	3087 / 584
Instrument Date	Mar 10, 2020
Transaction Type	Transfer
Record Updated	Jul 5, 2021
Title Company	CISLO TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$231.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5738 COBBLESTONE DR, 5738, NORTH BRANCH, MI 48461-7925

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 STUMP RD, LAPEER, MI 48446-8618

Mortgage

Document Number	3087586
Date	Mar 18, 2020
Instrument	3087/586

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAPEER MI
Recording Date	May 10, 2018
Property Address	445 STUMP RD, LAPEER, MI 48446-8618
Document Number	0029600323
Book / Page	002960 / 000323
Instrument Date	Sep 18, 2017
Transaction Type	Transfer
Record Updated	Jul 10, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5738 COBBLESTONE DR NORTH BRANCH MI 484617925, NORTH BRANCH, MI 48461-7925

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Lapeer County
County Subdivision	Mayfield Township
Unified School District	Lapeer Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$153,600 (+1.72%)	$307,200 (+1.72%)
2025	$2,866.00 (+15.24%) Homeowner's exemption	$151,000 (+16.06%)	$302,000 (+16.06%)
2023		$130,100	$260,200
2022	$2,487.00

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

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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Bitwise, Spectrum.

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