454 W Nepessing St, Lapeer, MI 48446 Property Records

Lapeer County property record for 454 W Nepessing St, Lapeer, MI 48446

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	7,640 sqft · built 1930
Lot Size	0.248 acres (10,803 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Apr 2004)
Tax Bill	$9,326 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Dec 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`L20-10-800-040-00`

Property Details

APN / Parcel Number

Primary APN	`L20-10-800-040-00`

Interior

Stories	1 Story
Building Area	7,640 sqft Total Area
Flooring	Carpet

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Lot Area	10,803 sqft (0.248 acres)
Lot Dimensions	120 ft deep x 90 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	454 W NEPESSING ST
City	LAPEER
State	MI
Zip	48446-2150
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	CBD1 CEN B
Legal Description	CITY OF LAPEER LAPEER VILLAGE PLAT SWLY 10 FT OF LOT 78, ALL OF LOT 79, AND NELY 20 ET OF LOT 80 (L=1 P=73 SEC 5, T7N-R10E)
Legal Range	10E
Legal Township	07N
Legal Section	05
Legal Subdivision	CITY OF LAPEER B LAPEER VILLAG
Legal Lot Number	78-80
Jurisdiction	LAPEER MI
Township / Civil Division	LAPEER
Census Block Group	2
Census Block	2047
Census Tract	337500

Owner

454 W Nepessing St, a commercial property, is owned by two individuals who bought it in April 2004.

Source: Lapeer County records, as of September 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4631 TURMERIC DR, STERLING HEIGHTS, MI 48314-3961
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
Sep 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT
Dec 29, 2022	Land Contract, Transfer LIBERTY TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 7, 2004 · Amount on File
Deed Sale	Apr 7, 2004 · Amount on File
Prior Sale	Apr 1, 1999 · Amount on File
Deed Document Number	20041
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Recording Date	Sep 11, 2026
Property Address	454 W NEPESSING ST, LAPEER, MI 48446-2150
Document Number	3543000454
Book / Page	3543 / 454
Instrument Date	Sep 11, 2026
Transaction Type	Mortgage
Record Updated	Sep 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4631 TURMERIC DR, STERLING HEIGHTS, MI 48314-3961
Investor	Possibly a Property Investor

Mortgage

Document Number	3543000454,
Date	Sep 11, 2026
Book Page	3543/454

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Sep 11, 2031

Interest

Max Rate	-1%

December 2022: Land Contract, Transfer

Document Type	Land Contract
Jurisdiction	LAPEER MI
Recording Date	Dec 29, 2022
Property Address	454 W NEPESSING ST, LAPEER, MI 48446-2150
Document Number	0033320511
Book / Page	3332 / 511
Map Reference	LB 1 PG 73
Instrument Date	Dec 28, 2022
Transaction Type	Transfer
Record Updated	Feb 2, 2023
Title Company	LIBERTY TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19904 KINLOCH, DETROIT, MI 48240-1111

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4631 TURMERIC DR, STERLING HEIGHTS, MI 48314-3961

Tax Assessment & Valuation

The 2025 property tax bill for 454 W Nepessing St was $9,326.

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

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
2026		$264,400 (+7.13%)	$528,800 (+7.13%)
2025	$9,326.00	$246,800	$493,600
2023		$180,100	$360,200
2022	$8,407.00

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

Flood

FEMA maps place 454 W Nepessing St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2009.

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	3 (2009)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Aug 2009 · tidal / storm surge

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

The area around 454 W Nepessing St has no burnable land within ember reach, so its wildfire risk is not rated.

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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