Lapeer County property record for 54 Union St, Lapeer, MI 48446
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 975 sqft · built 1950 |
| Lot Size | 0.331 acres (14,418 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $1,287 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit Sep 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | L21-36-402-050-00 |
| Primary APN | L21-36-402-050-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 975 sqft Living Area |
| 1st Floor Area | 780 sqft |
| Basement Area | 780 sqft |
| Flooring | Carpet |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Lot Area | 14,418 sqft (0.331 acres) |
| Lot Dimensions | 120 ft deep x 120 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 54 UNION ST |
|---|---|
| City | LAPEER |
| State | MI |
| Zip | 48446-1519 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 1 FM |
| Legal Description | CITY OF LAPEER ROODS ADDITION, LOT 2 & THE W 60 FT OF LOT 3, BLK 3 (L=9 P=529 SEC 32, T8N-R10E) FOR 2018 COMB |
| Legal Range | 10E |
| Legal Township | 08N |
| Legal Section | 32 |
| Legal Subdivision | CITY OF LAPEER ROODS ADD |
| Legal Block | 3 |
| Legal Lot Number | 2-3 |
| Jurisdiction | LAPEER MI |
| Township / Civil Division | LAPEER |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 337500 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 54 UNION ST, LAPEER, MI 48446-1519 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Apr 12, 2023 | Deed of Trust, Mortgage · Line of Credit CREDIT UNION ONE |
| Sep 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| May 12, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CREDIT UNION ONE |
| May 2, 2019 | Deed of Trust, Mortgage HANTZ BK |
| Jun 18, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Feb 27, 2018 |
| Transfer Doc | 0029660597 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 54 UNION ST, LAPEER, MI 48446-1519 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2023 |
| Name | Verified Name |
|---|---|
| Address | 54 UNION ST, LAPEER, MI 48446-1519 |
| Document Number | 0033450438 |
|---|---|
| Date | Apr 12, 2023 |
| Book Page | 3345/438 |
| Name | CREDIT UNION ONE |
|---|---|
| Type | Credit Union |
| Address | FERNDALE, MI 48220 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Apr 11, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 54 UNION ST, LAPEER, MI 48446-1519 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0032390609 |
|---|---|
| Date | Sep 24, 2021 |
| Book Page | 3239/609 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 54 UNION ST, LAPEER, MI 48446-1519 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0031000802 |
|---|---|
| Date | May 12, 2020 |
| Book Page | 3100/802 |
| Name | CREDIT UNION ONE |
|---|---|
| Type | Credit Union |
| Address | FERNDALE, MI 48220 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 54 UNION ST, LAPEER, MI 48446-1519 |
| Document Number | 0030230010 |
| Instrument Date | May 2, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2019 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 54 UNION ST LAPEER MI 484461519, LAPEER, MI 48446-1519 |
| Document Number | 0030230010 |
|---|---|
| Date | May 14, 2019 |
| Book Page | 003023/000010 |
| Name | HANTZ BK |
|---|---|
| Type | Bank |
| Address | SOUTHFIELD, MI 48034 |
| Amount | Amount Recorded |
|---|---|
| Term | 240 Months |
| Due | May 13, 2039 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAPEER MI |
| Recording Date | Jun 18, 2018 |
| Property Address | 54 UNION ST, LAPEER, MI 48446-1519 |
| Document Number | 0029660597 |
| Book / Page | 002966 / 000597 |
| Instrument Date | Feb 27, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 15, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 54 UNION ST LAPEER MI 484461519, LAPEER, MI 48446-1519 |
Source: Lapeer County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Lapeer County |
| Municipality | Lapeer City |
| Unified School District | Lapeer Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $75,000 (+13.12%) | $150,000 (+13.12%) | |
| 2025 | $1,287.00 (+3.87%) Homeowner's exemption | $66,300 (+10.13%) | $132,600 (+10.13%) |
| 2024 | $1,239.00 (+10.53%) | ||
| 2023 | $60,200 | $120,400 | |
| 2022 | $1,121.00 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 3 (2009) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Aug 2009 · tidal / storm surge |
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 96% of the US · lower than 91% of Michigan |
|---|---|
| Wildfire Likelihood | Under 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF LAPEER serves 9,023 people · EPA ID MI0003780 |
|---|---|
| Water Source | Purchased surface water from GREAT LAKES WATER AUTHORITY |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Jan 2023 |
| Monitoring and Reporting | 11 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 246 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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