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643 Cedar St, Lapeer, MI 48446 Property Records

Lapeer County property record for 643 Cedar St, Lapeer, MI 48446 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,684 sqft · built 1940
Lot Size0.138 acres (6,011 sqft)
Owner2 Individual Names on File
Last Sale$152,500 (Mar 2023)
Tax Bill$2,405 (2025)
Deeds & MortgagesMar 2023 Sale & Mortgage
Mar 2023 Transfer
+ 1 more
Flood ZoneZone X (minimal risk)
APNL20-25-101-040-00

Property Details

APN / Parcel Number

Primary APNL20-25-101-040-00

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,684 sqft Living Area
1st Floor Area1,190 sqft
Basement Area1,058 sqft
FlooringCarpet

Exterior

Year BuiltBuilt 1940
Effective Year BuiltEffective 1940
Lot Area6,011 sqft (0.138 acres)
Lot Dimensions120 ft deep x 50 ft wide

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Street Address643 CEDAR ST
CityLAPEER
StateMI
Zip48446-2179
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCITY OF LAPEER ORIGINAL PLAT NE 1/4 NWLY 50 FT OF LOTS 1 & 2 BLK 9 (L=1 P=73 SEC 5, T7N-R10E)
Legal Range10E
Legal Township07N
Legal Section05
Legal SubdivisionCITY OF LAPEER R ORIGINAL
Legal Block9
Legal Lot Number1-2
JurisdictionLAPEER MI
Township / Civil DivisionLAPEER
Census Block Group2
Census Block2033
Census Tract337500

Owner

Source: Lapeer County records · APN L20-25-101-040-00

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 Record2 Individual Names on File
Mailing Address643 CEDAR ST, LAPEER, MI 48446-2179
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 21, 2023Warranty Deed, Transfer · Conventional Mortgage
ROCKET MORTGAGE LLC
Mar 21, 2023Intrafamily Transfer, Transfer
May 18, 2021Deed of Trust, Mortgage
QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 21, 2023 · Amount on Record
Deed SaleMar 21, 2023 · Amount on Record
Prior SaleSep 01, 2015 · Amount on Record
Deed Book / Page3342 / 523
Prior Transfer DateDec 10, 2009
Prior Transfer Doc0024240013
Record UpdatedSep 20, 2026

March 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAPEER MI
Recording DateMar 21, 2023
Property Address643 CEDAR ST, LAPEER, MI 48446-2179
Document Number0033420523
Book / Page3342 / 523
Map ReferenceLB D PG 1
Instrument DateMar 16, 2023
Transaction TypeTransfer
Record UpdatedApr 26, 2023
Title CompanyCRISLO TITLE COMPANY, CISLO TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,143.75
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address643 CEDAR ST, LAPEER, MI 48446-2179

Transferred To (Grantee/Buyer)

NameVerified Name
Address643 CEDAR ST, LAPEER, MI 48446-2179

Mortgage

Document Number0003342525
DateMar 21, 2023
Instrument3342/525
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2053

March 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionLAPEER MI
Recording DateMar 21, 2023
Property Address643 CEDAR ST, LAPEER, MI 48446-2179
Document Number0033420544
Book / Page3342 / 544
Map ReferenceLB D PG 1
Instrument DateMar 16, 2023
Transaction TypeTransfer
Record UpdatedApr 26, 2023

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address643 CEDAR ST, LAPEER, MI 48446-2179

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address643 CEDAR ST, LAPEER, MI 48446-2179

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLAPEER MI
Property Address643 CEDAR ST, LAPEER, MI 48446-2179
Transaction TypeMortgage
Record UpdatedAug 12, 2022
Title CompanyAMROCK INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address643 CEDAR ST, LAPEER, MI 48446-2179

Mortgage

Document Number0032040066
DateMay 18, 2021
Book Page3204/66
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
AmountAmount Recorded
Term361 Months
DueJun 01, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMichigan
CountyLapeer County
MunicipalityLapeer City
Unified School DistrictLapeer 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.

YearTax BillAssessed ValueAssessed Market Value
2026$89,400 (+10.23%)$178,800 (+10.23%)
2025$2,405.00 (+2.73%) Homeowner's exemption$81,100 (+8.28%)$162,200 (+8.28%)
2024$2,341.00 (+81.75%)
2023$74,900$149,800
2022$1,288.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lapeer County (26087C), updated May 4, 2016 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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