45286 Lake Dr, Decatur, MI 49045 Property Records

Van Buren County property record for 45286 Lake Dr, Decatur, MI 49045

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,976 sqft · built 1950
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,417 (2025)
Deeds & Mortgages	Feb 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`80-08-060-027-02`

Property Details

APN / Parcel Number

Primary APN	`80-08-060-027-02`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,976 sqft Living Area
1st Floor Area	1,400 sqft
Basement Area	1,120 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Lot Area	17,860 sqft (0.41 acres)
Lot Dimensions	127 ft deep x 140 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	45286 LAKE DR
City	DECATUR
State	MI
Zip	49045-9101
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	474-A47 19-4-14 846-925 944-417 1340-666 1391-115/6 1437-866 LOTS 47, 48 & 49. EX BEG AT SLY COR BETWEEN LOTS 49 & 50, TH N
Legal Subdivision	LAKE OF THE WOODS PENINSULA
Legal Lot Number	L,47-50
Jurisdiction	VAN BUREN MI
Township / Civil Division	DECATUR
Census Block Group	1
Census Block	1050
Census Tract	11601

Owner

Source: Van Buren County records, as of August 31, 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 Record
Mailing Address	45286 LAKE DR, DECATUR, MI 49045-9101
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2003
Deed Sale	Jun 16, 2003
Prior Sale	Sep 26, 2001
Deed Book / Page	1391 / 116
Last Transfer Date	May 6, 2005
Transfer Doc	1437/0866
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VAN BUREN MI
Property Address	45286 LAKE DR, DECATUR, MI 49045-9101
Transaction Type	Mortgage
Record Updated	Feb 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1713/408
Date	Feb 5, 2021
Book Page	1713/408

Lender

Name	PNC BANK NA
Type	Bank
Address	PAW PAW, MI 49079

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Van Buren County assessment roll, as of August 31, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Van Buren County
County Subdivision	Decatur Township
Unified School District	Decatur Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$82,100 (+3.79%)	$164,200 (+3.79%)
2025	$1,417.00 (+3.05%) Homeowner's exemption	$79,100 (+60.45%)	$158,200 (+60.45%)
2024	$1,375.00 (+22.11%)
2023		$49,300	$98,600
2020	$1,126.00

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 June 9, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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	DECATUR serves 1,838 people · EPA ID MI0001750
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 58 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Lake Dr

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