4846 Genesee Rd, Lapeer, MI 48446 Property Records

Lapeer County property record for 4846 Genesee Rd, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,147 sqft · built 1960
Lot Size	5.9 acres (257,004 sqft)
Owner	2 Individual Names on File
Last Sale	$185,000 (Apr 2020)
Tax Bill	$1,735 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Apr 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`008-016-009-00`

Property Details

APN / Parcel Number

Primary APN	`008-016-009-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,147 sqft Living Area
1st Floor Area	1,147 sqft
Basement Area	355 sqft
Flooring	Carpet

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Lot Area	257,004 sqft (5.9 acres)
Garage Area	400 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4846 GENESEE RD
City	LAPEER
State	MI
Zip	48446-3634
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	08 30 802 000 00 SEC 16 T7N R9E THE E 264 FT OF W 553.5 FT OF THAT PART OF E 1/2 OF NW 1/4 LYING N OF GENESEE ROAD. 5.90 A.
Legal Range	09E
Legal Township	07N
Legal Section	16
Jurisdiction	LAPEER MI
Township / Civil Division	ELBA
Census Block Group	1
Census Block	1031
Census Tract	336000

Owner

4846 Genesee Rd is owned and occupied by two individuals who bought it in April 2020.

Source: Lapeer County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4846 GENESEE RD, LAPEER, MI 48446-3634
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
Aug 17, 2021	Deed of Trust, Mortgage · USDA Mortgage CALIBER HOME LOANS INC
Apr 8, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST SECURITIES FINANCIAL SERVICES
Jul 13, 2018	Warranty Deed, Transfer · Conventional with PMI GENISYS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2020 · Amount on File
Deed Sale	Apr 8, 2020 · Amount on File
Prior Sale	Jul 13, 2018 · Amount on File
Deed Book / Page	3091 / 528
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	4846 GENESEE RD, LAPEER, MI 48446-3634
Transaction Type	Mortgage
Record Updated	Sep 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4846 GENESEE RD, LAPEER, MI 48446-3634

Mortgage

Document Number	0032290001
Date	Aug 17, 2021
Book Page	3229/1

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73134

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	344 Months
Due	Apr 1, 2050

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Apr 8, 2020
Property Address	4846 GENESEE RD, LAPEER, MI 48446-3634
Document Number	0030910528
Book / Page	3091 / 528
Instrument Date	Mar 20, 2020
Transaction Type	Transfer
Record Updated	Jul 5, 2021
Title Company	LIBERTY TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,387.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4846 GENESEE RD, 4846, LAPEER, MI 48446-3634

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4846 GENESEE RD, LAPEER, MI 48446-3634

Mortgage

Document Number	3091533
Date	Apr 8, 2020
Instrument	3091/533

Lender

Name	FIRST SECURITIES FINANCIAL SERVICES
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Jul 13, 2018
Property Address	4846 GENESEE RD, LAPEER, MI 48446-3634
Document Number	0029710654
Book / Page	002971 / 000654
Instrument Date	Jun 28, 2018
Transaction Type	Transfer
Record Updated	Jan 14, 2019
Title Company	MASON BURGESS TITLE AGENCY, MASON BURGESS TITLE AGCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,320.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8191 OAK HILL RD CLARKSTON MI 483481027, CLARKSTON, MI 48348-1027

Mortgage

Document Number	29710656
Date	Jul 13, 2018
Book Page	002971/000656

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 12, 2048

Interest

Rate Type	Adjustable Rate
Rate	5.25%

Tax Assessment & Valuation

The 2025 property tax bill for 4846 Genesee Rd was $1,735 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		$107,500 (+1.32%)	$215,000 (+1.32%)
2025	$1,735.00 Homeowner's exemption	$106,100	$212,200
2023		$86,700	$173,400
2022	$1,508.00

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

FEMA maps place 4846 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 4846 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	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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Bitwise Fixed Wireless	25 / 5

May also be available: AT&T, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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