Lapeer County property record for 4974 McDowell Rd, Lapeer, MI 48446
| Property Type | Single Family Home |
|---|---|
| Lot Size | 7.19 acres (313,196 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $46,000 (Jul 2019) |
| Tax Bill | $4,092 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Sep 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 017-028-037-40 |
| Primary APN | 017-028-037-40 |
|---|
| Flooring | Carpet |
|---|
| Lot Area | 313,196 sqft (7.19 acres) |
|---|---|
| Lot Dimensions | 1,004 ft deep x 312 ft wide |
| Street Address | 4974 MCDOWELL RD |
|---|---|
| City | LAPEER |
| State | MI |
| Zip | 48446-9126 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2006 SPLIT T8N R9E PART OF THE SW 1/4 OF SEC 28 BEG AT A PT ON THE S SEC LI THAT IS E 340 FT FROM THE SW COR OF SEC 28; TH N |
| Legal Range | 09E |
| Legal Township | 08N |
| Legal Section | 28 |
| Jurisdiction | LAPEER MI |
| Township / Civil Division | OREGON |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 342100 |
Source: Lapeer County records, as of August 7, 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 | 4974 MCDOWELL RD, LAPEER, MI 48446-9126 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 24, 2026 | Deed of Trust, Mortgage · Line of Credit ELGA CREDIT UNION |
| Sep 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ELGA CREDIT UNION |
| Sep 2, 2020 | Deed of Trust, Mortgage · Line of Credit ELGA CREDIT UNION |
| Jul 11, 2019 | Warranty Deed, Transfer · Conventional Mortgage ELGA CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 11, 2019 · Amount on Record |
| Deed Sale | Jul 11, 2019 · Amount on Record |
| Prior Sale | Jul 7, 2005 |
| Deed Document Number | 20191654 |
| Deed Book / Page | 3033 / 962 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Recording Date | Jul 24, 2026 |
| Property Address | 4974 MCDOWELL RD, LAPEER, MI 48446-9126 |
| Document Number | 3533000887 |
| Book / Page | 3533 / 887 |
| Instrument Date | Jul 17, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Aug 7, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 4974 MCDOWELL RD, LAPEER, MI 48446-9126 |
| Document Number | 3533000887, |
|---|---|
| Date | Jul 24, 2026 |
| Book Page | 3533/887 |
| Name | ELGA CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jul 27, 2051 |
| Rate | 6.47% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 4974 MCDOWELL RD, LAPEER, MI 48446-9126 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4974 MCDOWELL RD, LAPEER, MI 48446-9126 |
| Document Number | 0032380511 |
|---|---|
| Date | Sep 22, 2021 |
| Book Page | 3238/511 |
| Name | ELGA CREDIT UNION |
|---|---|
| Type | Credit Union |
| Address | BURTON, MI 48519 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 4974 MCDOWELL RD, LAPEER, MI 48446-9126 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|---|
| Address | 5308 HAMMOND RD, LAPEER, MI 48446-2779 |
| Document Number | 0031260267 |
|---|---|
| Date | Sep 2, 2020 |
| Book Page | 3126/267 |
| Name | ELGA CREDIT UNION |
|---|---|
| Type | Credit Union |
| Address | BURTON, MI 48519 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAPEER MI |
| Recording Date | Jul 11, 2019 |
| Property Address | 4974 MCDOWELL RD, LAPEER, MI 48446-9126 |
| Document Number | 0030330962 |
| Book / Page | 003033 / 000962 |
| Instrument Date | Jul 1, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2019 |
| Title Company | ASK SERVICES INC, ASK SVCS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $345.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5308 HAMMOND RD LAPEER MI 484462779, LAPEER, MI 48446-2779 |
| Document Number | 30330965 |
|---|---|
| Date | Jul 11, 2019 |
| Book Page | 003033/000965 |
| Name | ELGA CU |
|---|---|
| Type | Credit Union |
| Address | BURTON, MI 48519 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 10, 2034 |
Source: Lapeer County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Lapeer County |
| County Subdivision | Oregon Township |
| Unified School District | Lapeer Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $240,500 (+20.85%) | $481,000 (+20.85%) | |
| 2025 | $4,092.00 (+37.96%) | ||
| 2023 | $199,000 | $398,000 | |
| 2022 | $2,966.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
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 | 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.
Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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