4646 Thomas Rd, Metamora, MI 48455 Property Records

Lapeer County property record for 4646 Thomas Rd, Metamora, MI 48455

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 2,589 sqft · built 1993
Lot Size	6.87 acres (299,257 sqft)
Owner	2 Individual Names on Record
Last Sale	$494,000 (Jun 2022)
Tax Bill	$5,830 (2025)
Deeds & Mortgages	Apr 2023 Transfer Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`015-020-011-00`

Property Details

APN / Parcel Number

Primary APN	`015-020-011-00`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,589 sqft Living Area
1st Floor Area	2,573 sqft
Basement Area	2,573 sqft
Unfinished Basement	2,569 sqft
Flooring	Carpet

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Wood Siding
Lot Area	299,257 sqft (6.87 acres)
Garage Area	808 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	4646 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 PARCEL A BEG S 1296.47 FT FROM THE NE COR OF SEC, TH S 220 FT, TH W 1330.13 FT, TH N 00 DEG 13' 30 W 229.86
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

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	4646 THOMAS RD, METAMORA, MI 48455-9342
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2023	Intrafamily Transfer, Transfer
Jun 14, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST MERCHANTS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2022 · Amount on Record
Deed Sale	Jun 14, 2022 · Amount on Record
Deed Book / Page	3299 / 425
Last Transfer Date	Apr 7, 2023
Transfer Doc	0033450198
Record Updated	Oct 29, 2026

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAPEER MI
Recording Date	Apr 10, 2023
Property Address	4646 THOMAS RD, METAMORA, MI 48455-9342
Document Number	0033450198
Book / Page	3345 / 198
Instrument Date	Mar 31, 2023
Transaction Type	Transfer
Record Updated	May 18, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4646 THOMAS RD, METAMORA, MI 48455-9342

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4646 THOMAS RD, METAMORA, MI 48455-9342

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Jun 14, 2022
Property Address	4646 THOMAS RD, METAMORA, MI 48455-9342
Document Number	0032990425
Book / Page	3299 / 425
Instrument Date	Jun 10, 2022
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,705.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4646 THOMAS RD, 4646, METAMORA, MI 48455-9342

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	4646 THOMAS RD, METAMORA, MI 48455-9342

Mortgage

Document Number	0003299428
Date	Jun 14, 2022
Instrument	3299/428

Lender

Name	FIRST MERCHANTS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Mortgage

Document Number	0033010563
Date	Jun 27, 2022
Book Page	3301/563

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	476 Months
Due	Feb 10, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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		$290,500 (+9.79%)	$581,000 (+9.79%)
2025	$5,830.00 (+4%) Homeowner's exemption	$264,600 (+17.03%)	$529,200 (+17.03%)
2024	$5,606.00 (-12.56%)
2023		$226,100	$452,200
2022	$6,411.00

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

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

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Mercury Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Thomas Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures