4995 McDowell Rd, Lapeer, MI 48446 Property Records

Lapeer County property record for 4995 McDowell Rd, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$80,000 (Mar 2019)
Tax Bill	$918 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`017-033-003-00`

Property Details

APN / Parcel Number

Primary APN	`017-033-003-00`

Interior

Flooring	Carpet

Exterior

Lot Area	43,560 sqft (1 acres)
Lot Dimensions	220 ft deep x 198 ft wide

Location & Zoning

Street Address	4995 MCDOWELL RD
City	LAPEER
State	MI
Zip	48446-9126
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 33 T8N R9E THE W 220 FT OF N 12 RDS OF W 1/2 OF NW 1/4. 1 A.
Legal Range	09E
Legal Township	08N
Legal Section	33
Jurisdiction	LAPEER MI
Township / Civil Division	OREGON
Census Block Group	2
Census Block	2006
Census Tract	342100

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	4995 MCDOWELL RD, LAPEER, MI 48446-9126
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2026	Deed of Trust · Conventional Mortgage ROSS MORTGAGE
Apr 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROSS MORTGAGE
Nov 5, 2019	Deed of Trust, Mortgage · Conventional with PMI CASON HM LNS
Mar 20, 2019	Warranty Deed, Transfer MASON BURGESS TITLE AGENCY, MASON BURGESS TITLE AGCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 20, 2019 · Amount on Record
Deed Sale	Mar 20, 2019 · Amount on Record
Prior Sale	Mar 20, 2019 · Amount on Record
Deed Document Number	20193013986
Deed Book / Page	3013 / 986
Prior Transfer Date	Jul 18, 2011
Prior Transfer Doc	0025120032
Record Updated	Oct 29, 2026

April 2026: Deed of Trust

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Recording Date	Apr 7, 2026
Property Address	4995 MCDOWELL RD, LAPEER, MI 48446-9126
Document Number	3513000312
Book / Page	3513 / 312
Instrument Date	Mar 6, 2026
Record Updated	Apr 29, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES (RE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4995 MCDOWELL RD, LAPEER, MI 48446-9126

Mortgage

Document Number	3513000312,
Date	Apr 7, 2026
Book Page	3513/312

Lender

Name	ROSS MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Recording Date	Apr 7, 2026
Property Address	4995 MCDOWELL RD, LAPEER, MI 48446-9126
Document Number	0035130312
Book / Page	3513 / 312
Instrument Date	Mar 6, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4995 MCDOWELL RD, LAPEER, MI 48446-9126

Mortgage

Document Number	3513000312,
Date	Apr 7, 2026
Book Page	3513/312

Lender

Name	ROSS MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	4995 MCDOWELL RD, LAPEER, MI 48446-9126
Document Number	0030630428
Instrument Date	Nov 5, 2019
Transaction Type	Mortgage
Record Updated	Jan 3, 2020
Title Company	MASON BURGESS TITLE AGENCY, MASON BURGESS TITLE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4995 MCDOWELL RD LAPEER MI 484469070, LAPEER, MI 48446-9070

Mortgage

Document Number	0030630428
Date	Nov 22, 2019
Book Page	003063/000428

Lender

Name	CASON HM LNS
Type	Funding / Finance Company
Address	PALM BEACH GARDENS, FL 33408

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 21, 2049

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Mar 20, 2019
Property Address	4995 MCDOWELL RD, LAPEER, MI 48446-9126
Document Number	0030130986
Book / Page	003013 / 000986
Instrument Date	Mar 8, 2019
Transaction Type	Transfer
Record Updated	Apr 26, 2019
Title Company	MASON BURGESS TITLE AGENCY, MASON BURGESS TITLE AGCY

Transaction

Amount	Amount Recorded
Tax	$600.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2951 BULLOCK RD METAMORA MI 484559603, METAMORA, MI 48455-9603

Tax Assessment & Valuation

Source: Lapeer County assessment roll, as of September 24, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Lapeer County
County Subdivision	Oregon Township
Unified School District	Lapeer Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$55,600 (-0.89%)	$111,200 (-0.89%)
2025	$918.00 (+3.85%) Homeowner's exemption	$56,100 (+23.3%)	$112,200 (+23.3%)
2024	$884.00 (+9.54%)
2023		$45,500	$91,000
2022	$807.00

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

Flood

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.

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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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