Lapeer County property record for 765 Harsen Rd, Lapeer, MI 48446
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,901 sqft · built 1992 |
| Lot Size | 10 acres (436,471 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $419,900 (Dec 2020) |
| Tax Bill | $3,565 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Dec 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 008-018-002-20 |
| Primary APN | 008-018-002-20 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,901 sqft Living Area |
| 1st Floor Area | 1,524 sqft |
| Basement Area | 1,172 sqft |
| Flooring | Carpet |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Lot Area | 436,471 sqft (10 acres) |
| Garage Area | 484 sqft |
| Total Buildings | 2 Buildings |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 765 HARSEN RD |
|---|---|
| City | LAPEER |
| State | MI |
| Zip | 48446-2786 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | SEC 18 T7N R9E BEG 1981.71 FT S OF N 1/4 COR TH E 1321.34 FT TH S 330.42 FT TH W 1321.48 FT TH N 330.42 FT TO POB. PARCEL 6. |
| 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 |
Source: Lapeer County records, as of September 24, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 765 HARSEN RD, LAPEER, MI 48446-2786 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage LEVEL ONE BANK |
| Dec 23, 2020 | Warranty Deed, Transfer · VA Mortgage CASON HOME LOANS |
| Oct 1, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FARM CREDIT SVCS |
| Mar 7, 2017 | Deed of Trust, Mortgage TRI CNTY BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 23, 2020 · Amount on Record |
| Deed Sale | Dec 23, 2020 · Amount on Record |
| Prior Sale | Dec 3, 2010 · Amount on Record |
| Deed Book / Page | 3159 / 270 |
| Prior Transfer Date | Apr 23, 2015 |
| Prior Transfer Doc | 0027630698 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 765 HARSEN RD, LAPEER, MI 48446-2786 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Title Company | PARKS TITLE |
| Name | Verified Name |
|---|---|
| Address | 765 HARSEN RD, LAPEER, MI 48446-2786 |
| Document Number | 0031320295 |
|---|---|
| Date | Sep 28, 2020 |
| Book Page | 3132/295 |
| Name | LEVEL ONE BANK |
|---|---|
| Type | Bank |
| Address | FARMINGTON, MI 48334 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAPEER MI |
| Recording Date | Dec 23, 2020 |
| Property Address | 765 HARSEN RD, LAPEER, MI 48446-2786 |
| Document Number | 0031590270 |
| Book / Page | 3159 / 270 |
| Instrument Date | Oct 30, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2022 |
| Title Company | MASON BURGESS TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,150.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 765 HARSEN RD, 765, LAPEER, MI 48446-2786 |
| Name | Verified Name |
|---|---|
| Address | 765 HARSEN RD, LAPEER, MI 48446-2786 |
| Document Number | 0003159273 |
|---|---|
| Date | Dec 23, 2020 |
| Instrument | 3159/273 |
| Name | CASON HOME LOANS |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 765 HARSEN RD, LAPEER, MI 48446-2786 |
| Document Number | 0031340854 |
| Instrument Date | Oct 1, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 765 HARSEN RD LAPEER MI 484462786, LAPEER, MI 48446-2786 |
| Document Number | 0031340854 |
|---|---|
| Date | Oct 6, 2020 |
| Book Page | 003134/000854 |
| Name | FARM CREDIT SVCS |
|---|---|
| Type | Funding / Finance Company |
| Address | LAPEER, MI 48446 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 5, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 765 HARSEN RD, LAPEER, MI 48446-2786 |
| Document Number | 0028900115 |
| Book / Page | 002890 / 000115 |
| Instrument Date | Mar 7, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 18, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 765 HARSEN RD LAPEER MI 484462786, LAPEER, MI 48446-2786 |
| Document Number | 0028900115 |
|---|---|
| Date | Apr 24, 2017 |
| Book Page | 002890/000115 |
| Name | TRI CNTY BK |
|---|---|
| Type | Bank |
| Address | BROWN CIT, MI 48416 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Apr 23, 2047 |
Source: Lapeer County assessment roll, as of September 24, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Lapeer County |
| County Subdivision | Elba Township |
| Unified School District | Lapeer Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $214,200 (+5.47%) | $428,400 (+5.47%) | |
| 2025 | $3,565.00 (+4.09%) Homeowner's exemption | $203,100 (+16.32%) | $406,200 (+16.32%) |
| 2024 | $3,425.00 (+11.85%) | ||
| 2023 | $174,600 | $349,200 | |
| 2022 | $3,062.00 |
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.
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.
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.
Source: FCC Broadband Data Collection, based on 32 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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