5825 McDowell Rd, Lapeer, MI 48446 Property Records

Lapeer County property record for 5825 McDowell Rd, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Lot Size	6 acres (261,360 sqft)
Owner	2 Individual Names on Record
Last Sale	$410,000 (Apr 2024)
Tax Bill	$4,880 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Dec 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`017-031-013-00`

Property Details

APN / Parcel Number

Primary APN	`017-031-013-00`

Interior

Flooring	Carpet

Exterior

Lot Area	261,360 sqft (6 acres)

Location & Zoning

Street Address	5825 MCDOWELL RD
City	LAPEER
State	MI
Zip	48446-8076
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 31 T8N R9E THE E 466.12 FT OF W 1877.78 FT OF N 565.46 FT OF NW FRL 1/4. ALSO, DES AS BEG AT A PT THAT IS N 87 DEG E
Legal Range	09E
Legal Township	08N
Legal Section	31
Jurisdiction	LAPEER MI
Township / Civil Division	OREGON
Census Block Group	2
Census Block	2011
Census Tract	342100

Owner

Source: Lapeer County records, as of October 5, 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	5825 MCDOWELL RD, LAPEER, MI 48446-8076
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2026	Deed of Trust, Mortgage · FHA Mortgage PARAMOUNT MORTGAGE
Dec 29, 2025	Deed of Trust, Mortgage · Line of Credit THE HELOC COMPANY LLC
Dec 18, 2023	Deed of Trust, Mortgage · Line of Credit OXFORD BANK
Feb 18, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2024 · Amount on Record
Deed Sale	Apr 26, 2024 · Amount on Record
Prior Sale	Mar 20, 1995 · Amount on Record
Deed Book / Page	3398 / 679
Prior Transfer Date	Dec 7, 2020
Prior Transfer Doc	0031760188
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Recording Date	Sep 15, 2026
Property Address	5825 MCDOWELL RD, LAPEER, MI 48446-8076
Document Number	3543000931
Book / Page	3543 / 931
Instrument Date	Sep 10, 2026
Transaction Type	Mortgage
Record Updated	Oct 5, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5825 MCDOWELL RD, LAPEER, MI 48446-8076

Mortgage

Document Number	3543000931,
Date	Sep 15, 2026
Book Page	3543/931

Lender

Name	PARAMOUNT MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	5825 MCDOWELL RD, LAPEER, MI 48446-8076
Transaction Type	Mortgage
Record Updated	Jan 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5825 MCDOWELL RD, LAPEER, MI 48446-8076

Mortgage

Document Number	0034950651
Date	Dec 29, 2025
Book Page	3495/651

Lender

Name	THE HELOC COMPANY LLC
Type	Non-Lending Institution
Address	8403 COLESVILLE RD STE 1100, SILVER SPRING, MD 20910

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Nov 28, 2050

Interest

Change Frequency	Monthly

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	5825 MCDOWELL RD, LAPEER, MI 48446-8076
Transaction Type	Mortgage
Record Updated	Jan 24, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5825 MCDOWELL RD, LAPEER, MI 48446-8076

Mortgage

Document Number	0033810096
Date	Dec 18, 2023
Book Page	3381/96

Lender

Name	OXFORD BANK
Type	Bank
Address	60 S WASHINGTON ST, OXFORD, MI 48371

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Dec 7, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAPEER MI
Recording Date	Feb 18, 2021
Property Address	5825 MCDOWELL RD, LAPEER, MI 48446-8076
Document Number	0031760188
Book / Page	3176 / 188
Instrument Date	Dec 7, 2020
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	5825 MCDOWELL RD, LAPEER, MI 48446-8076

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		$224,600 (-1.1%)	$449,200 (-1.1%)
2025	$4,880.00 (+115.55%) Homeowner's exemption	$227,100 (+20.86%)	$454,200 (+20.86%)
2024	$2,264.00 (+10.12%)
2023		$187,900	$375,800
2022	$2,056.00

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 · 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

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

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	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: T-Mobile.

Nearby Properties on McDowell Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures