4592 Genesee Rd, Lapeer, MI 48446 Property Records

Lapeer County property record for 4592 Genesee Rd, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,732 sqft · built 1940
Lot Size	7.13 acres (310,583 sqft)
Owner	2 Trust Names on File
Last Sale	$342,500 (Jul 2021)
Tax Bill	$2,381 (2025)
Deeds & Mortgages	May 2026 Transfer Jul 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`008-009-020-00`

Property Details

APN / Parcel Number

Primary APN	`008-009-020-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,732 sqft Living Area
1st Floor Area	1,156 sqft
Basement Area	820 sqft
Flooring	Carpet

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Lot Area	310,583 sqft (7.13 acres)
Garage Area	576 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4592 GENESEE RD
City	LAPEER
State	MI
Zip	48446-3640
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	SEC 9 T7N R9E COM AT SE COR OF SEC, TH S 89 DEG 52' W 1315.5 FT, N 0 DEG 35' W 99 FT TO C/L OF HWY & PT OF BEG, N 63 DEG 09'
Legal Range	09E
Legal Township	07N
Legal Section	09
Jurisdiction	LAPEER MI
Township / Civil Division	ELBA
Census Block Group	1
Census Block	1031
Census Tract	336000

Owner

4592 Genesee Rd is owner-occupied and held in a trust since April 2026.

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

Owner of Record	2 Trust Names on File
Mailing Address	4592 GENESEE RD, LAPEER, MI 48446-3640
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
May 6, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Jul 27, 2021	Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Sep 3, 2020	Warranty Deed, Transfer · FHA Mortgage NATIONS DIRECT MORTGAGE LLC
Mar 14, 2017	Trustee's Deed, Construction Loan PLAZA HM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2021 · Amount on File
Deed Sale	Jul 27, 2021 · Amount on File
Prior Sale	Sep 3, 2020 · Amount on File
Deed Book / Page	3223 / 590
Last Transfer Date	Apr 8, 2026
Transfer Doc	3518000598
Record Updated	Oct 29, 2026

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAPEER MI
Recording Date	May 6, 2026
Property Address	4592 GENESEE RD, LAPEER, MI 48446-3640
Document Number	3518000598
Book / Page	3518 / 598
Instrument Date	Apr 8, 2026
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	4592 GENESEE RD, LAPEER, MI 48446-3640

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Jul 27, 2021
Property Address	4592 GENESEE RD, LAPEER, MI 48446-3640
Document Number	0032230590
Book / Page	3223 / 590
Instrument Date	Jul 14, 2021
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	MASON BURGESS TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,566.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4592 GENESEE RD, 4592, LAPEER, MI 48446-3640

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11717 DOVER RD, BEAVERTON, MI 48612-9622

Mortgage

Document Number	0003223593
Date	Jul 27, 2021
Instrument	3223/593

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Sep 3, 2020
Property Address	4592 GENESEE RD, LAPEER, MI 48446-3640
Document Number	0031260681
Book / Page	3126 / 681
Instrument Date	Aug 25, 2020
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,381.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4592 GENESEE RD, 4592, LAPEER, MI 48446-3640

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4592 GENESEE RD, LAPEER, MI 48446-3640

Mortgage

Document Number	0003126683
Date	Sep 3, 2020
Instrument	3126/683

Lender

Name	NATIONS DIRECT MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

March 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	LAPEER MI
Recording Date	Mar 14, 2017
Property Address	4592 GENESEE RD, LAPEER, MI 48446-3640
Document Number	0028820419
Book / Page	002882 / 000419
Instrument Date	Mar 6, 2017
Transaction Type	Construction Loan
Record Updated	Jul 3, 2017
Title Company	CISLO TITLE, CISIO TITLE COMPANY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	4592 GENESEE RD LAPEER MI 484463640, LAPEER, MI 48446-3640

Mortgage

Document Number	0028820419
Date	Mar 14, 2017
Book Page	002882/000419

Lender

Name	PLAZA HM MTG
Type	Mortgage Company
Address	ITASCA, IL 60143

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 13, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4592 Genesee Rd was $2,381 with a homeowner's exemption.

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		$136,300 (+1.87%)	$272,600 (+1.87%)
2025	$2,381.00 Homeowner's exemption	$133,800	$267,600
2023		$112,000	$224,000
2022	$1,831.00

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 4592 Genesee Rd 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 4592 Genesee Rd 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Bitwise Fixed Wireless	25 / 5

May also be available: AT&T, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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