5187 Coldwater Rd, Lapeer, MI 48446 Property Records

Lapeer County property record for 5187 Coldwater Rd, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Lot Size	0.65 acres (28,314 sqft)
Owner	2 Individual Names on Record
Last Sale	$148,000 (May 2018)
Tax Bill	$1,434 (2025)
Deeds & Mortgages	Feb 2019 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`017-020-010-00`

Property Details

APN / Parcel Number

Primary APN	`017-020-010-00`

Interior

Flooring	Carpet

Exterior

Lot Area	28,314 sqft (0.65 acres)

Location & Zoning

Street Address	5187 COLDWATER RD
City	LAPEER
State	MI
Zip	48446-8014
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T8N R9E OREGON TOWNSHIP, LAPEER COUNTY, MI; COM N 89 DEG 28' W 1917.5 FT FROM NE COR OF SEC 20; TH S 0 DEG 32' W 233 FT; TH N
Legal Range	09E
Legal Township	08N
Legal Section	20
Jurisdiction	LAPEER MI
Township / Civil Division	OREGON
Census Block Group	1
Census Block	1003
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	2 Individual Names on Record
Mailing Address	5187 COLDWATER RD, LAPEER, MI 48446-8014
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2019	Deed of Trust, Mortgage · FHA Mortgage AMERISAVE MORTGAGE CORP
May 25, 2018	Warranty Deed, Transfer · FHA Mortgage CASON HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 25, 2018 · Amount on Record
Deed Sale	May 25, 2018 · Amount on Record
Prior Sale	May 25, 2018 · Amount on Record
Deed Document Number	2018296300046
Deed Book / Page	2963 / 46
Prior Transfer Date	Mar 10, 2016
Prior Transfer Doc	0028160369
Record Updated	Oct 29, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	5187 COLDWATER RD, LAPEER, MI 48446-8014
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE CLEARING AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030080495
Date	Feb 13, 2019
Book Page	3008/495

Lender

Name	AMERISAVE MORTGAGE CORP

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	May 25, 2018
Property Address	5187 COLDWATER RD, LAPEER, MI 48446-8014
Document Number	0029630046
Book / Page	002963 / 000046
Instrument Date	May 23, 2018
Transaction Type	Transfer
Record Updated	Jul 26, 2018
Title Company	CISLO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,110.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1885 RALEIGH AVE #10 LAPEER MI 484464163, 10, LAPEER, MI 48446-4163

Mortgage

Document Number	29630048
Date	May 25, 2018
Book Page	002963/000048

Lender

Name	CASON HM LNS
Type	Funding / Finance Company
Address	PALM BEACH GARDENS, FL 33418

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 24, 2048

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		$86,000 (-4.02%)	$172,000 (-4.02%)
2025	$1,434.00 (+3.91%) Homeowner's exemption	$89,600 (+22.07%)	$179,200 (+22.07%)
2024	$1,380.00 (+9.18%)
2023		$73,400	$146,800
2022	$1,264.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	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 194 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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