45 Sterling Dr, Lapeer, MI 48446 Property Records

Lapeer County property record for 45 Sterling Dr, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,648 sqft · built 1952
Lot Size	0.43 acres (18,731 sqft)
Owner	2 Individual Names on File
Last Sale	$230,000 (Jun 2022)
Tax Bill	$2,242 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Mar 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`008-381-001-00`

Property Details

APN / Parcel Number

Primary APN	`008-381-001-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,648 sqft Living Area
1st Floor Area	1,648 sqft
Flooring	Carpet

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Lot Area	18,731 sqft (0.43 acres)
Lot Dimensions	150 ft deep x 125 ft wide
Garage Area	1,084 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	45 STERLING DR
City	LAPEER
State	MI
Zip	48446-2826
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	09 85 600 000 00 T7N R9E STERLING GARDENS #1 LOT 1.
Legal Subdivision	STERLING GARDENS 1
Legal Lot Number	1
Jurisdiction	LAPEER MI
Township / Civil Division	ELBA
Census Block Group	1
Census Block	1000
Census Tract	336000

Owner

45 Sterling Dr is owned and occupied by two individuals who bought it in June 2022.

Source: Lapeer County records, as of September 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	45 STERLING DR, LAPEER, MI 48446-2826
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2022	Warranty Deed, Transfer · VA Mortgage CHOICEONE BANK
Mar 3, 2021	Quit Claim Deed, Transfer ABSTRACT TITLE AGENCY
Oct 1, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2022 · Amount on File
Deed Sale	Jun 10, 2022 · Amount on File
Prior Sale	Mar 3, 2016 · Amount on File
Deed Book / Page	3298 / 908
Prior Transfer Date	Feb 25, 2021
Prior Transfer Doc	0031790627
Record Updated	Oct 29, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Jun 10, 2022
Property Address	45 STERLING DR, LAPEER, MI 48446-2826
Document Number	0032980908
Book / Page	3298 / 908
Map Reference	LB 2 PG 17
Instrument Date	Jun 6, 2022
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	PREMIER TITLE AGENCY INC, PREMIER TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,725.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	45 STERLING DR, 45, LAPEER, MI 48446-2826

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6588 W IMLAY CITY RD, IMLAY CITY, MI 48444-8503

Mortgage

Document Number	0003298910
Date	Jun 10, 2022
Instrument	3298/910

Lender

Name	CHOICEONE BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAPEER MI
Recording Date	Mar 3, 2021
Property Address	45 STERLING DR, LAPEER, MI 48446-2826
Document Number	0031790627
Book / Page	3179 / 627
Map Reference	LB 2 PG 17
Instrument Date	Feb 25, 2021
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	ABSTRACT TITLE AGENCY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 STERLING DR, LAPEER, MI 48446-2826

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAPEER MI
Recording Date	Oct 1, 2019
Property Address	45 STERLING DR, LAPEER, MI 48446-2826
Document Number	0030500849
Book / Page	003050 / 000849
Instrument Date	Aug 28, 2019
Transaction Type	Transfer
Record Updated	Nov 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	45 STERLING DR LAPEER MI 484462826, LAPEER, MI 48446-2826

Tax Assessment & Valuation

The 2025 property tax bill for 45 Sterling Dr was $2,242 with a homeowner's exemption, up 5.1% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$101,800 (+0.69%)	$203,600 (+0.69%)
2025	$2,242.00 (+5.06%) Homeowner's exemption	$101,100	$202,200
2024	$2,134.00
2023		$94,600	$189,200
2022	$1,500.00

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

FEMA maps place 45 Sterling Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1998.

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	1 in force
Nearby Flood Claims	2 (1998–2013)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Feb 2013 · rainfall accumulation

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

Wildfire risk around 45 Sterling Dr 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	None beyond ember reach

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 94 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	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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