4636 Thomas Rd, Metamora, MI 48455 Property Records

Lapeer County property record for 4636 Thomas Rd, Metamora, MI 48455

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,600 sqft · built 1988
Lot Size	7.35 acres (320,166 sqft)
Owner	2 Individual Names on File
Last Sale	$289,900 (Oct 2019)
Tax Bill	$3,823 (2025)
Deeds & Mortgages	Jan 2026 Transfer Jan 2022 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`015-020-002-00`

Property Details

APN / Parcel Number

Primary APN	`015-020-002-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,600 sqft Living Area
1st Floor Area	1,600 sqft
Basement Area	1,600 sqft
Unfinished Basement	1,600 sqft
Flooring	Carpet

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Wood Siding
Lot Area	320,166 sqft (7.35 acres)
Garage Area	780 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4636 THOMAS RD
City	METAMORA
State	MI
Zip	48455-9342
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	SEC 20, T6N-R10E, THE S 636.47 FT OF THE N 1296.47 FT AS MEASURED ON THE E SEC LN, ALSO DESCRIBED AS S 634.40 FT OF THE N
Legal Range	10E
Legal Township	06N
Legal Section	20
Jurisdiction	LAPEER MI
Township / Civil Division	METAMORA
Census Block Group	1
Census Block	1007
Census Tract	341500

Owner

4636 Thomas Rd is owned and occupied by two individuals who acquired it in January 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	4636 THOMAS RD, METAMORA, MI 48455-9342
Occupancy	Owner Occupied
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
Jan 2, 2026	Intrafamily Transfer, Transfer
Jan 18, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GENISYS CU
Jun 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage BLG HOLDINGS INC
Jul 31, 2020	Loan Modification, Mortgage · Conventional with PMI PENNYMAC
Oct 30, 2019	Warranty Deed, Transfer · Conventional with PMI SIMPLE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2019 · Amount on File
Deed Sale	Oct 30, 2019 · Amount on File
Prior Sale	Sep 29, 2016 · Amount on File
Deed Document Number	20193057816
Deed Book / Page	3057 / 816
Last Transfer Date	Jan 2, 2026
Transfer Doc	0034960322
Record Updated	Oct 29, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAPEER MI
Recording Date	Jan 2, 2026
Property Address	4636 THOMAS RD, METAMORA, MI 48455-9342
Document Number	0034960322
Book / Page	3496 / 322
Instrument Date	Jan 2, 2026
Transaction Type	Transfer
Record Updated	Jan 23, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4636 THOMAS RD, METAMORA, MI 48455-9342

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4636 THOMAS RD, METAMORA, MI 48455-9342

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	4636 THOMAS RD, METAMORA, MI 48455-9342
Transaction Type	Mortgage
Record Updated	Feb 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4636 THOMAS RD, METAMORA, MI 48455-9342

Mortgage

Document Number	0032670591
Date	Jan 18, 2022
Book Page	3267/591

Lender

Name	GENISYS CU
Type	Credit Union
Address	AUBURN HILLS, MI 48326

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	119 Months
Due	Dec 13, 2031

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	4636 THOMAS RD, METAMORA, MI 48455-9342
Transaction Type	Mortgage
Record Updated	Jul 21, 2021
Title Company	CRISLO TITLE COMPANY, CISLO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4636 THOMAS RD, METAMORA, MI 48455-9342

Mortgage

Document Number	0032120330
Date	Jun 16, 2021
Book Page	3212/330

Lender

Name	BLG HOLDINGS INC
Type	Non-Lending Institution
Address	METAMORA, MI 48455

Agreement

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

July 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LAPEER MI
Property Address	4636 THOMAS RD, METAMORA, MI 48455-9342
Document Number	0031490120
Instrument Date	Jul 31, 2020
Transaction Type	Mortgage
Record Updated	Jan 5, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4636 THOMAS RD METAMORA MI 484559342, METAMORA, MI 48455-9342

Mortgage

Document Number	0031490120
Date	Nov 19, 2020
Book Page	003149/000120

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 18, 2050

Interest

Rate Type	Fixed Rate
Rate	3.5%

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Oct 30, 2019
Property Address	4636 THOMAS RD, METAMORA, MI 48455-9342
Document Number	0030570816
Book / Page	003057 / 000816
Instrument Date	Oct 18, 2019
Transaction Type	Transfer
Record Updated	Dec 12, 2019
Title Company	CISLO TITLE, CISLO TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,174.25
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3502 FARM DR METAMORA MI 484558913, METAMORA, MI 48455-8913

Mortgage

Document Number	30570819
Date	Oct 30, 2019
Book Page	003057/000819

Lender

Name	SIMPLE MTG
Type	Mortgage Company
Address	FLINT, MI 48532

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 29, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 4636 Thomas Rd was $3,823 with a homeowner's exemption, up 4% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Lapeer County
County Subdivision	Metamora Township
Unified School District	Lapeer Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$209,600 (+9.11%)	$419,200 (+9.11%)
2025	$3,823.00 (+4%) Homeowner's exemption	$192,100	$384,200
2024	$3,676.00
2023		$166,500	$333,000
2022	$3,328.00

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

Flood

FEMA maps place 4636 Thomas Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 4, 2016

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 4636 Thomas 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless	25 / 3
T-Mobile Fixed Wireless	25 / 3

May also be available: Frontier.

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