4654 Thomas Rd, Metamora, MI 48455 Property Records

Lapeer County property record for 4654 Thomas Rd, Metamora, MI 48455

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 864 sqft · built 1953
Lot Size	6.71 acres (292,331 sqft)
Owner	Individual Name on Record
Last Sale	$250,000 (Aug 2022)
Tax Bill	$2,635 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`015-020-013-00`

Property Details

APN / Parcel Number

Primary APN	`015-020-013-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	864 sqft Living Area
1st Floor Area	864 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Exterior Material	Wood Siding
Lot Area	292,331 sqft (6.71 acres)
Garage Area	480 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4654 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 C BEG S 1736.47 FT FROM THE NE COR, TH S 220 FT, TH W 1328.4 FT, TH N 0 DEG 13' 30 W 220 FT, TH E
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	Individual Name on Record
Mailing Address	4654 THOMAS RD, METAMORA, MI 48455-9342
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2022 · Amount on Record
Deed Sale	Aug 10, 2022 · Amount on Record
Prior Sale	Apr 13, 2015 · Amount on Record
Deed Book / Page	3310 / 14
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Aug 10, 2022
Property Address	4654 THOMAS RD, METAMORA, MI 48455-9342
Document Number	0033100014
Book / Page	3310 / 14
Instrument Date	Aug 9, 2022
Transaction Type	Transfer
Record Updated	Sep 16, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,875.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4654 THOMAS RD, 4654, METAMORA, MI 48455-9342

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4654 THOMAS RD, METAMORA, MI 48455-9342

Mortgage

Document Number	0000331016
Date	Aug 10, 2022
Instrument	3310/16

Lender

Name	GENISYS CU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Sep 1, 2029
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	9.12%
Index	Other
Margin	3
Max Rate	9.12%

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		$129,700 (+10.29%)	$259,400 (+10.29%)
2025	$2,635.00 (+47.04%) Homeowner's exemption	$117,600 (+15.07%)	$235,200 (+15.07%)
2023		$102,200	$204,400
2022	$1,792.00

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

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