4647 Genesee Rd, Lapeer, MI 48446 Property Records

Lapeer County property record for 4647 Genesee Rd, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,668 sqft · built 1991
Lot Size	2.4 acres (104,544 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,849 (2025)
Deeds & Mortgages	May 2026 Transfer Jan 2018 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`008-016-003-10`

Property Details

APN / Parcel Number

Primary APN	`008-016-003-10`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,668 sqft Living Area
1st Floor Area	1,668 sqft
Basement Area	1,668 sqft
Flooring	Carpet

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Lot Area	104,544 sqft (2.4 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4647 GENESEE RD
City	LAPEER
State	MI
Zip	48446-3637
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	SEC 16 T7N R9E PART OF NW 1/4 OF NE 1/4 BEG AT CTR OF GENESEE RD 544.18 FT S TH N 63DEG E 1117 FT FROM N 1/4 COR TH N 63DEG E
Legal Range	09E
Legal Township	07N
Legal Section	16
Jurisdiction	LAPEER MI
Township / Civil Division	ELBA
Census Block Group	1
Census Block	1032
Census Tract	336000

Owner

4647 Genesee Rd is owned and occupied by two individuals who acquired it in May 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	4647 GENESEE RD, LAPEER, MI 48446-3637
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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 19, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Jan 10, 2018	Deed of Trust, Mortgage · Stand-Alone Refinance DITECH FINANCIAL LLC
Jul 22, 2019	Deed of Trust, Mortgage · FHA Mortgage DITECH FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 5, 2026
Transfer Doc	0035210053
Record Updated	Oct 29, 2026

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAPEER MI
Recording Date	May 19, 2026
Property Address	4647 GENESEE RD, LAPEER, MI 48446-3637
Document Number	0035210053
Book / Page	3521 / 53
Instrument Date	May 5, 2026
Transaction Type	Transfer
Record Updated	Aug 29, 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	Life Estate
Address	4647 GENESEE RD, LAPEER, MI 48446-3637

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	4647 GENESEE RD, LAPEER, MI 48446-3637
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029400270
Date	Jan 10, 2018
Book Page	2940/270

Lender

Name	DITECH FINANCIAL LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	4647 GENESEE RD, LAPEER, MI 48446-3637
Document Number	0030370478
Instrument Date	Jul 22, 2019
Transaction Type	Mortgage
Record Updated	Sep 9, 2019
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4647 GENESEE RD LAPEER MI 484463637, LAPEER, MI 48446-3637

Mortgage

Document Number	0030370478
Date	Jul 30, 2019
Book Page	003037/000478

Lender

Name	DITECH FIN'L
Address	FORT WASHINGTON, PA 19034

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 29, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 4647 Genesee Rd was $1,849 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		$144,300 (+3%)	$288,600 (+3%)
2025	$1,849.00 Homeowner's exemption	$140,100	$280,200
2023		$132,000	$264,000
2022	$1,606.00

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

Flood

FEMA maps place 4647 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 4647 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	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 16 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 DSL	10 / 1

May also be available: Bitwise.

Cell Coverage

5G (outdoors only) and 4G LTE

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