5195 Merwin Rd, Lapeer, MI 48446 Property Records

Lapeer County property record for 5195 Merwin Rd, Lapeer, MI 48446 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,232 sqft · built 1966
Lot Size	6.11 acres (266,152 sqft)
Owner	Individual Name on File
Last Sale	$305,000 (Sep 2025)
Tax Bill	$2,346 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`008-029-022-00`

Property Details

APN / Parcel Number

Primary APN	`008-029-022-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,232 sqft Living Area
1st Floor Area	1,232 sqft
Basement Area	1,232 sqft
Flooring	Carpet

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Lot Area	266,152 sqft (6.11 acres)
Garage Area	576 sqft

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	5195 MERWIN RD
City	LAPEER
State	MI
Zip	48446-9694
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	08 45 402 000 00 SEC 29 T7N R9E COM 450 FT E OF CENTER OF SEC, TH E 201.60 FT, TH S 1 DEG 10' 16 E 1322.41 FT, N 89 DEG 59'
Legal Range	09E
Legal Township	07N
Legal Section	29
Jurisdiction	LAPEER MI
Township / Civil Division	ELBA
Census Block Group	4
Census Block	4023
Census Tract	336000

Owner

Source: Lapeer County records · APN 008-029-022-00

Assessment roll updated August 7, 2026 · Last verified August 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 File
Mailing Address	2309 S ELBA RD, LAPEER, MI 48446-9746
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2025	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jun 03, 2022	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 10, 2025 · Amount on Record
Deed Sale	Sep 10, 2025 · Amount on Record
Prior Sale	Jun 03, 2022 · Amount on Record
Deed Book / Page	3476 / 4
Prior Transfer Date	Nov 04, 2013
Prior Transfer Doc	0026790875
Record Updated	Sep 20, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Sep 10, 2025
Property Address	5195 MERWIN RD, LAPEER, MI 48446-9694
Document Number	0034760004
Book / Page	3476 / 4
Instrument Date	Sep 05, 2025
Transaction Type	Transfer
Record Updated	Sep 29, 2025
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,287.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5195 MERWIN RD, LAPEER, MI 48446-9694

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2309 S ELBA RD, LAPEER, MI 48446-9746
Investor	Possibly a Property Investor

Mortgage

Document Number	0000034767
Date	Sep 10, 2025
Instrument	3476/7

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2055

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Jun 03, 2022
Property Address	5195 MERWIN RD, LAPEER, MI 48446-9694
Document Number	0032970450
Book / Page	3297 / 450
Instrument Date	May 26, 2022
Transaction Type	Transfer
Record Updated	Jul 24, 2024
Title Company	MICHIGAN MOVES TITLE AGENCY

Transaction

Amount	Amount Recorded
Tax	$1,912.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5195 MERWIN RD, LAPEER, MI 48446-9694

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9269 DIXON RD, MONROE, MI 48161-9661

Mortgage

Document Number	0003296761
Date	Jun 03, 2022
Instrument	3296/761

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Jun 01, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.62%
Index	1-Year CMT
Max Rate	8.62%

Mortgage

Document Number	0032960761
Date	Jun 01, 2022
Book Page	3296/761

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Jun 01, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.62%
Index	1-Year CMT
Max Rate	8.62%

Tax Assessment & Valuation

Source: Lapeer County records · Assessment roll updated August 7, 2026 · Last verified August 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$117,100 (+1.65%)	$234,200 (+1.65%)
2025	$2,346.00 (+3.48%) Homeowner's exemption	$115,200 (+18.28%)	$230,400 (+18.28%)
2024	$2,267.00 (+53.8%)
2023		$97,400	$194,800
2022	$1,474.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lapeer County (26087C), updated May 4, 2016 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 260873360004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	4 in force

Wildfire

Wildfire Risk	Low above 5% of the US · above 11% of Michigan
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 11 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 35
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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