5431 Scotch Settlement Rd, Almont, MI 48003 Property Records

Lapeer County property record for 5431 Scotch Settlement Rd, Almont, MI 48003

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,538 sqft · built 2003
Lot Size	2 acres (87,120 sqft)
Owner	Company Name on Record
Last Sale	$363,300 (Feb 2004)
Tax Bill	$3,383 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`001-025-025-20`

Property Details

APN / Parcel Number

Primary APN	`001-025-025-20`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,538 sqft Living Area
1st Floor Area	1,626 sqft
Basement Area	1,626 sqft
Unfinished Basement	1,626 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Contemporary
Lot Area	87,120 sqft (2 acres)
Garage Area	615 sqft
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	5431 SCOTCH SETTLEMENT RD
City	ALMONT
State	MI
Zip	48003-8728
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	PARCEL K SEC 25 T6N R12E COM AT THE S 1/4 OF SEC; TH W 1292.67 FT; TH N 611.40 FT TO THE POB; TH CONTINUING N 165.00 FT; TH E
Legal Range	12E
Legal Township	06N
Legal Section	25
Jurisdiction	LAPEER MI
Township / Civil Division	ALMONT
Census Block Group	1
Census Block	1007
Census Tract	340000

Owner

Source: Lapeer County records, as of September 24, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	5431 SCOTCH SETTLEMENT RD, ALMONT, MI 48003-8728
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 18, 2004 · Amount on Record
Deed Sale	Feb 18, 2004 · Amount on Record
Prior Sale	Feb 18, 2004 · Amount on Record
Deed Document Number	20042
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	5431 SCOTCH SETTLEMENT RD, ALMONT, MI 48003-8728
Transaction Type	Mortgage
Record Updated	Oct 22, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032350962
Date	Sep 13, 2021
Book Page	3235/962

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Oct 1, 2031

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	5431 SCOTCH SETTLEMENT RD, ALMONT, MI 48003-8728
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5431 SCOTCH SETTLEMENT RD, ALMONT, MI 48003-8728

Mortgage

Document Number	0031450555
Date	Nov 10, 2020
Book Page	3145/555

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	154 Months
Due	Sep 1, 2033

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$302,200 (+3.39%)	$604,400 (+3.39%)
2025	$3,383.00 (-8.86%) Homeowner's exemption	$292,300 (+19.26%)	$584,600 (+19.26%)
2023		$245,100	$490,200
2022	$3,712.00

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

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 94% of the US · lower than 85% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Mercury Fiber Fixed Wireless	150 / 20
Verizon Fixed Wireless	25 / 6
Frontier DSL	10 / 1

May also be available: Air Advantage, AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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