686 S Elba Rd, Lapeer, MI 48446 Property Records

Lapeer County property record for 686 S Elba Rd, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,625 sqft · built 2002
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on File
Last Sale	$34,000 (Jun 1996)
Tax Bill	$3,942 (2025)
Flood Zone	Zone X (minimal risk)
APN	`008-018-002-70`

Property Details

APN / Parcel Number

Primary APN	`008-018-002-70`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,625 sqft Living Area
1st Floor Area	2,576 sqft
Basement Area	2,774 sqft
Flooring	Carpet

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Lot Area	435,600 sqft (10 acres)
Garage Area	990 sqft
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	686 S ELBA RD
City	LAPEER
State	MI
Zip	48446-2775
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	SEC 18 T7N R9E PARCEL 9-D BEG AT A PT THAT IS N 659.64 FT FROM THE E 1/4 POST OF SEC 18; TH N 329.64 FT; TH S89 DEG W 1321.21
Legal Range	09E
Legal Township	07N
Legal Section	18
Jurisdiction	LAPEER MI
Township / Civil Division	ELBA
Census Block Group	1
Census Block	1038
Census Tract	336000

Owner

686 S Elba Rd is owned and occupied by two individuals who bought it in June 1996.

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

Owner of Record	2 Individual Names on File
Mailing Address	686 S ELBA RD, LAPEER, MI 48446-2775
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 7, 1996 · Amount on File
Deed Sale	Jun 7, 1996 · Amount on File
Deed Document Number	19961
Record Updated	Oct 29, 2026

Tax Assessment & Valuation

The 2025 property tax bill for 686 S Elba Rd was $3,942 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$322,500 (+5.46%)	$645,000 (+5.46%)
2025	$3,942.00 Homeowner's exemption	$305,800	$611,600
2023		$272,900	$545,800
2022	$3,391.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 686 S Elba 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

Wildfire risk around 686 S Elba 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	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 30 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