463 Gray Rd, Lapeer, MI 48446 Property Records

Lapeer County property record for 463 Gray Rd, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,906 sqft · built 1996
Lot Size	4.32 acres (188,179 sqft)
Owner	2 Individual Names on File
Last Sale	$257,000 (Jan 2019)
Tax Bill	$1,331 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`008-003-001-10`

Property Details

APN / Parcel Number

Primary APN	`008-003-001-10`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,906 sqft Living Area
1st Floor Area	1,018 sqft
Basement Area	1,018 sqft
Flooring	Carpet

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Lot Area	188,179 sqft (4.32 acres)
Garage Area	506 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	463 GRAY RD
City	LAPEER
State	MI
Zip	48446-2846
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	SEC 3 T7N R9E BEG 631 FT S OF NE COR OF SEC 3; TH S 477.04 FT; TH N 88 DEG W 410.0 FT; TH N 442 FT; TH N 86 DEG E 411.33 FT
Legal Range	09E
Legal Township	07N
Legal Section	03
Jurisdiction	LAPEER MI
Township / Civil Division	ELBA
Census Block Group	1
Census Block	1003
Census Tract	336000

Owner

Source: Lapeer County records · APN 008-003-001-10

Assessment roll updated August 14, 2025 · Last verified June 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 File
Mailing Address	463 GRAY RD, LAPEER, MI 48446-2846
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2020	Deed of Trust, Mortgage · VA Mortgage CASON HM LNS
Jan 08, 2019	Warranty Deed, Transfer · VA Mortgage CASON HM LNS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 08, 2019 · Amount on Record
Deed Sale	Jan 08, 2019 · Amount on Record
Prior Sale	Aug 25, 1995 · Amount on Record
Deed Document Number	201928
Deed Book / Page	3003 / 685
Record Updated	Sep 20, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	463 GRAY RD, LAPEER, MI 48446-2846
Document Number	0030980530
Instrument Date	Apr 15, 2020
Transaction Type	Mortgage
Record Updated	Jul 03, 2020
Title Company	MASON BURGESS TITLE AGENCY, MASON BURGESS TITLE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	463 GRAY RD LAPEER MI 484462846, LAPEER, MI 48446-2846

Mortgage

Document Number	0030980530
Date	Apr 30, 2020
Book Page	003098/000530

Lender

Name	CASON HM LNS
Type	Funding / Finance Company
Address	PALM BEACH GARDENS, FL 33408

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 29, 2050

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Jan 08, 2019
Property Address	463 GRAY RD, LAPEER, MI 48446-2846
Document Number	0030030685
Book / Page	003003 / 000685
Instrument Date	Dec 28, 2018
Transaction Type	Transfer
Record Updated	Feb 13, 2019
Title Company	MASON BURGESS TITLE AGENCY, MASON BURGESS TITLE AGCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,927.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3422 CRANDON DR DAVISON MI 484238588, DAVISON, MI 48423-8588

Mortgage

Document Number	30030687
Date	Jan 08, 2019
Book Page	003003/000687

Lender

Name	CASON HM LNS
Type	Funding / Finance Company
Address	PALM BEACH GARDENS, FL 33418

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 07, 2049

Tax Assessment & Valuation

Source: Lapeer County records · Assessment roll updated August 14, 2025 · Last verified June 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,331.00 (-50.9%) Homeowner's exemption	$178,400 (+20.13%)	$356,800 (+20.13%)
2023		$148,500	$297,000
2022	$2,711.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of May 4, 2016 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Bitwise Fixed Wireless	100 / 10

May also be available: AT&T, Spectrum, T-Mobile USA, Verizon.

Based on FCC filings for 9 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Gray Rd

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