4605 McDowell Rd, Lapeer, MI 48446 Property Records

Lapeer County property record for 4605 McDowell Rd, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Lot Size	4.55 acres (198,198 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,752 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Dec 2016 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`017-028-044-50`

Property Details

APN / Parcel Number

Primary APN	`017-028-044-50`

Interior

Flooring	Carpet

Exterior

Lot Area	198,198 sqft (4.55 acres)

Location & Zoning

Street Address	4605 MCDOWELL RD
City	LAPEER
State	MI
Zip	48446-9070
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1999 SPLIT T8N R9E SEC 28 BEG AT A PT THAT IS S 1318.02 FT AND W 984.76 FT FROM THE E 1/4 COR OF SEC 28; TH W 300 FT; TH S
Legal Range	09E
Legal Township	08N
Legal Section	28
Jurisdiction	LAPEER MI
Township / Civil Division	OREGON
Census Block Group	2
Census Block	2006
Census Tract	342100

Owner

Source: Lapeer County records, as of September 24, 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	4605 MCDOWELL RD, LAPEER, MI 48446-9070
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Dec 21, 2016	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 1999
Deed Sale	Mar 26, 1999
Deed Book / Page	1171 / 918
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	4605 MCDOWELL RD, LAPEER, MI 48446-9070
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031060558
Date	Jun 11, 2020
Book Page	3106/558

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jul 1, 2030

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	4605 MCDOWELL RD, LAPEER, MI 48446-9070
Document Number	0028760036
Book / Page	002876 / 000036
Instrument Date	Dec 21, 2016
Transaction Type	Mortgage
Record Updated	Jul 18, 2017
Title Company	RAVENSWOOD TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4605 MCDOWELL RD LAPEER MI 484469070, LAPEER, MI 48446-9070

Mortgage

Document Number	0028760036
Date	Feb 6, 2017
Book Page	002876/000036

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Feb 5, 2037

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$148,200 (+19.42%)	$296,400 (+19.42%)
2025	$1,752.00 (+13.99%)
2023		$124,100	$248,200
2022	$1,537.00

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 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

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	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Bitwise, Spectrum.

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