5045 Pinecone Dr, Lapeer, MI 48446 Property Records

Lapeer County property record for 5045 Pinecone Dr, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,590 sqft · built 2017
Lot Size	39.8 acres (1,734,124 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,104,545 (Sep 2016)
Tax Bill	$6,332 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`008-009-018-50`

Property Details

APN / Parcel Number

Primary APN	`008-009-018-50`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,590 sqft Living Area
1st Floor Area	2,072 sqft
Basement Area	2,072 sqft
Flooring	Carpet

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Lot Area	1,734,124 sqft (39.8 acres)
Garage Area	936 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5045 PINECONE DR
City	LAPEER
State	MI
Zip	48446-3517
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	SEC 9 T7N R9E BEG N 1 DEG E 600.81 FT FROM SW COR OF SEC TH N 1 DEG E 2032.88 FT; TH S 87 DEG E 1315.51 FT; TH S 1 DEG W
Legal Range	09E
Legal Township	07N
Legal Section	09
Jurisdiction	LAPEER MI
Township / Civil Division	ELBA
Census Block Group	1
Census Block	1031
Census Tract	336000

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	2 Individual Names on Record
Mailing Address	5045 PINECONE DR, LAPEER, MI 48446-3517
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2025	Deed of Trust, Mortgage · Line of Credit DFCU FINANCIAL
Sep 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage BETTER MTG CORP ISAOA
Sep 25, 2017	Trustee's Deed, Construction Loan · Construction Mortgage STATE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2016 · Amount on Record
Deed Sale	Sep 22, 2016 · Amount on Record
Prior Sale	Jul 9, 2004 · Amount on Record
Deed Book / Page	2851 / 314
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	5045 PINECONE DR, LAPEER, MI 48446-3517
Transaction Type	Mortgage
Record Updated	Oct 22, 2025
Title Company	DFCU TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5045 PINECONE DR, LAPEER, MI 48446-3517

Mortgage

Document Number	0034810709
Date	Oct 8, 2025
Book Page	3481/709

Lender

Name	DFCU FINANCIAL
Type	Credit Union
Address	400 TOWN CENTER DR, DEARBORN, MI 48126

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 7, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	5045 PINECONE DR, LAPEER, MI 48446-3517
Document Number	0031600759
Instrument Date	Sep 29, 2020
Transaction Type	Mortgage
Record Updated	Mar 23, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5045 PINECONE DR LAPEER MI 484463517, LAPEER, MI 48446-3517

Mortgage

Document Number	0031600759
Date	Dec 30, 2020
Book Page	003160/000759

Lender

Name	BETTER MTG CORP ISAOA
Address	NEW YORK, NY 10271

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 29, 2050

September 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	LAPEER MI
Recording Date	Sep 25, 2017
Property Address	5045 PINECONE DR, LAPEER, MI 48446-3517
Document Number	0029190983
Book / Page	002919 / 000983
Instrument Date	Sep 22, 2017
Transaction Type	Construction Loan
Record Updated	Dec 7, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3760 JOY RD METAMORA MI 484559315, METAMORA, MI 48455-9315

Mortgage

Document Number	29190983
Date	Sep 25, 2017
Book Page	002919/000983

Lender

Name	STATE BK
Type	Bank
Address	FENTON, MI 48430-0725

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 24, 2047

Tax Assessment & Valuation

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		$421,800 (+2.5%)	$843,600 (+2.5%)
2025	$6,332.00 (+12.89%) Homeowner's exemption	$411,500 (+10.32%)	$823,000 (+10.32%)
2023		$373,000	$746,000
2022	$5,609.00

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 · 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

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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