4463 McDowell Rd, Lapeer, MI 48446 Property Records

Lapeer County property record for 4463 McDowell Rd, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Lot Size	2.63 acres (114,563 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,190 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`017-027-019-00`

Property Details

APN / Parcel Number

Primary APN	`017-027-019-00`

Interior

Flooring	Carpet

Exterior

Lot Area	114,563 sqft (2.63 acres)

Location & Zoning

Street Address	4463 MCDOWELL RD
City	LAPEER
State	MI
Zip	48446-9059
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 27 T8N R9E BEG AT A PT ON THE E & W 1/8 LI OF THE SW 1/4 LOCATED S 88 DEG E 162.10 FT FROM THE W 1/8 COR OF SW 1/4 OF SEC
Legal Range	09E
Legal Township	08N
Legal Section	27
Jurisdiction	LAPEER MI
Township / Civil Division	OREGON
Census Block Group	2
Census Block	2006
Census Tract	342100

Owner

Source: Lapeer County records · APN 017-027-019-00

Assessment roll updated August 7, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	4463 MCDOWELL RD, LAPEER, MI 48446-9059
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage ELGA CREDIT UNION
Sep 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage ELGA CREDIT UNION
Oct 06, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage ELGA CREDIT UNION

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Sep 30, 2020
Transfer Doc	0031340962
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	4463 MCDOWELL RD, LAPEER, MI 48446-9059
Transaction Type	Mortgage
Record Updated	May 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4463 MCDOWELL RD, LAPEER, MI 48446-9059

Mortgage

Document Number	0032860363
Date	Apr 11, 2022
Book Page	3286/363

Lender

Name	ELGA CREDIT UNION
Type	Credit Union
Address	GRAND BLANC, MI 48439

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 06, 2037

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	4463 MCDOWELL RD, LAPEER, MI 48446-9059
Transaction Type	Mortgage
Record Updated	Nov 03, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4463 MCDOWELL RD, LAPEER, MI 48446-9059

Mortgage

Document Number	0032410158
Date	Sep 30, 2021
Book Page	3241/158

Lender

Name	ELGA CREDIT UNION
Type	Credit Union
Address	BURTON, MI 48519

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 28, 2031

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAPEER MI
Recording Date	Oct 06, 2020
Property Address	4463 MCDOWELL RD, LAPEER, MI 48446-9059
Document Number	0031340962
Book / Page	3134 / 962
Instrument Date	Sep 30, 2020
Transaction Type	Transfer
Record Updated	Jul 05, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4463 MCDOWELL RD, LAPEER, MI 48446-9059

Mortgage

Document Number	3134964
Date	Oct 06, 2020
Instrument	3134/964

Lender

Name	ELGA CREDIT UNION
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 01, 2035

Tax Assessment & Valuation

Source: Lapeer County records · Assessment roll updated August 7, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$155,600 (-0.89%)	$311,200 (-0.89%)
2025	$2,190.00 (+4.24%) Homeowner's exemption	$157,000 (+26.41%)	$314,000 (+26.41%)
2024	$2,101.00 (+19.04%)
2023		$124,200	$248,400
2022	$1,765.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of May 4, 2016 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low lower than 93% of the US · lower than 83% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Bitwise Fixed Wireless	100 / 10
AT&T Fixed Wireless	25 / 3

May also be available: T-Mobile USA.

Based on FCC filings for 13 locations within half a mile of this property.

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