Lapeer County property record for 5432 Genesee Rd, Lapeer, MI 48446
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,092 sqft · built 1928 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on File |
| Last Sale | $225,000 (Feb 2025) |
| Tax Bill | $314 (2025) |
| Deeds & Mortgages | Jun 2023 Mortgage Mar 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 008-017-020-00 |
| Primary APN | 008-017-020-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,092 sqft Living Area |
| 1st Floor Area | 756 sqft |
| Basement Area | 672 sqft |
| Flooring | Carpet |
| Year Built | Built 1928 |
|---|---|
| Effective Year Built | Effective 1928 |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Area | 598 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 5432 GENESEE RD |
|---|---|
| City | LAPEER |
| State | MI |
| Zip | 48446-2746 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | C1 |
| Legal Description | 08 33 200 000 00 SEC 17 T7N R9E COM ON N LINE OF HWY 271.5 FT E OF W SECLINE TH N 109.5 FT E 394 FT, S TO HWY, TH W TO BEG. 1 |
| Legal Range | 09E |
| Legal Township | 07N |
| Legal Section | 17 |
| Jurisdiction | LAPEER MI |
| Township / Civil Division | ELBA |
| Census Block Group | 1 |
| Census Block | 1044 |
| Census Tract | 336000 |
5432 Genesee Rd is owned and occupied by an individual who bought it in February 2025.
Source: Lapeer County records, as of September 24, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5432 GENESEE RD, LAPEER, MI 48446-2746 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 22, 2023 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Mar 26, 2020 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS |
| Feb 26, 2019 | Deed of Trust, Mortgage · Conventional Mortgage ELGA CU |
| Apr 2, 2018 | Warranty Deed, Transfer · Conventional Mortgage KEYBANK USA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 26, 2025 · Amount on File |
| Deed Sale | Feb 26, 2025 · Amount on File |
| Prior Sale | Apr 2, 2018 · Amount on File |
| Deed Book / Page | 3444 / 302 |
| Prior Transfer Date | Jun 11, 2010 |
| Prior Transfer Doc | 0024490338 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 5432 GENESEE RD, LAPEER, MI 48446-2746 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2023 |
| Name | Verified Name |
|---|---|
| Address | 5432 GENESEE RD, LAPEER, MI 48446-2746 |
| Document Number | 0033550587 |
|---|---|
| Date | Jun 22, 2023 |
| Book Page | 3355/587 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 5432 GENESEE RD, LAPEER, MI 48446-2746 |
| Document Number | 0030920835 |
| Instrument Date | Mar 26, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 3, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 5432 GENESEE RD LAPEER MI 484462746, LAPEER, MI 48446-2746 |
| Document Number | 0030920835 |
|---|---|
| Date | Apr 15, 2020 |
| Book Page | 003092/000835 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 14, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 5432 GENESEE RD, LAPEER, MI 48446-2746 |
| Document Number | 0030110621 |
| Instrument Date | Feb 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 5432 GENESEE RD LAPEER MI 484462746, LAPEER, MI 48446-2746 |
| Document Number | 0030110621 |
|---|---|
| Date | Mar 6, 2019 |
| Book Page | 003011/000621 |
| Name | ELGA CU |
|---|---|
| Type | Credit Union |
| Address | BURTON, MI 48519 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Mar 5, 2024 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAPEER MI |
| Recording Date | Apr 2, 2018 |
| Property Address | 5432 GENESEE RD, LAPEER, MI 48446-2746 |
| Document Number | 0029530490 |
| Book / Page | 002953 / 000490 |
| Instrument Date | Mar 29, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 9, 2018 |
| Title Company | CISLO TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $281.25 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5432 GENESEE RD LAPEER MI 484462746, LAPEER, MI 48446-2746 |
| Document Number | 29530492 |
|---|---|
| Date | Apr 2, 2018 |
| Book Page | 002953/000492 |
| Name | KEYBANK USA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44114-1306 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2048 |
The 2025 property tax bill for 5432 Genesee Rd was $314 with a homeowner's exemption.
Source: Lapeer County assessment roll, as of September 24, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Lapeer County |
| County Subdivision | Elba Township |
| Unified School District | Davison Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $68,000 (+7.77%) | $136,000 (+7.77%) | |
| 2025 | $314.00 Homeowner's exemption | $63,100 | $126,200 |
| 2023 | $65,800 | $131,600 | |
| 2022 | $272.00 |
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.
FEMA maps place 5432 Genesee Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1998.
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 risk around 5432 Genesee Rd is low, with a 0.01% annual chance of 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.
Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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