Lapeer County property record for 490 Oak St, Lapeer, MI 48446
| Property Type | Veterinary, Animal Hospital |
|---|---|
| Details | 4,830 sqft · built 1998 |
| Lot Size | 0.448 acres (19,515 sqft) |
| Owner | Company Name on Record |
| Last Sale | $455,000 (Nov 2020) |
| Tax Bill | $11,216 (2025) |
| Deeds & Mortgages | Nov 2020 Sale & Mortgage Apr 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | L21-53-010-040-00 |
| Primary APN | L21-53-010-040-00 |
|---|
| Stories | 2 Stories |
|---|---|
| Building Area | 4,830 sqft Total Area |
| Flooring | Carpet |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Lot Area | 19,515 sqft (0.448 acres) |
| Lot Dimensions | 148 ft deep x 132 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 490 OAK ST |
|---|---|
| City | LAPEER |
| State | MI |
| Zip | 48446-3916 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Veterinary, Animal Hospital |
| Local Zoning Code | B2 GEN |
| Legal Description | CITY OF LAPEER B PLAT OF WHITESVILLE LOTS 22 AND 24 OAK STREET (L=1 P=73 SEC 5, T7N-R10E) |
| Legal Range | 10E |
| Legal Township | 07N |
| Legal Section | 05 |
| Legal Subdivision | CITY OF LAPEER B OF WHITESVILL |
| Legal Lot Number | 22,24 |
| Jurisdiction | LAPEER MI |
| Township / Civil Division | LAPEER |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 337500 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 11073 HORTON RD, GOODRICH, MI 48438-9411 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Nov 16, 2020 | Warranty Deed, Transfer · SBA Mortgage UNITED COMMUNITY BANK |
| Apr 4, 2018 | Deed of Trust, Mortgage ELGA CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 16, 2020 · Amount on Record |
| Deed Sale | Nov 16, 2020 · Amount on Record |
| Prior Sale | Dec 17, 1994 · Amount on Record |
| Deed Book / Page | 3148 / 227 |
| Prior Transfer Date | Nov 14, 2009 |
| Prior Transfer Doc | 0024550253 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAPEER MI |
| Recording Date | Nov 16, 2020 |
| Property Address | 490 OAK ST, LAPEER, MI 48446-3916 |
| Document Number | 0031480227 |
| Book / Page | 3148 / 227 |
| Map Reference | LB 7 PG 362 |
| Instrument Date | Nov 12, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,412.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 490 OAK ST, 490, LAPEER, MI 48446-3916 |
| Name | Verified Name |
|---|---|
| Address | 490 OAK ST, LAPEER, MI 48446-3916 |
| Document Number | 0003148229 |
|---|---|
| Date | Nov 16, 2020 |
| Instrument | 3148/229 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 490 OAK ST, LAPEER, MI 48446-3916 |
| Document Number | 0029550802 |
| Instrument Date | Apr 4, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 24, 2018 |
| Title Company | ASK SERVICES INC |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 12145 E BRISTOL RD DAVISON MI 484239102, DAVISON, MI 48423-9102 |
| Document Number | 0029550802 |
|---|---|
| Date | Apr 16, 2018 |
| Book Page | 002955/000802 |
| Name | ELGA CU |
|---|---|
| Type | Credit Union |
| Address | BURTON, MI 48519 |
| Amount | Amount Recorded |
|---|
Source: Lapeer County assessment roll, as of September 24, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Lapeer County |
| Municipality | Lapeer City |
| Unified School District | Lapeer Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $281,600 (+12.46%) | $563,200 (+12.46%) | |
| 2025 | $11,216.00 (+3.61%) | $250,400 (+15.6%) | $500,800 (+15.6%) |
| 2024 | $10,825.00 (+6.34%) | ||
| 2023 | $216,600 | $433,200 | |
| 2022 | $10,180.00 |
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.
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 | 4 in force |
| Nearby Flood Claims | 2 (1997–2009) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Aug 2009 · river or lake flooding |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF LAPEER serves 9,023 people · EPA ID MI0003780 |
|---|---|
| Water Source | Purchased surface water from GREAT LAKES WATER AUTHORITY |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Jan 2023 |
| Monitoring and Reporting | 11 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 84 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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