Lapeer County property record for 77 E Oregon St, Lapeer, MI 48446 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,100 sqft · built 1910 |
| Lot Size | 0.227 acres (9,888 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $75,000 (Oct 1997) |
| Tax Bill | $661 (2025) |
| Deeds & Mortgages | Nov 2025 Line of Credit May 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | L22-08-502-040-00 |
| Primary APN | L22-08-502-040-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,100 sqft Living Area |
| 1st Floor Area | 866 sqft |
| Basement Area | 468 sqft |
| Flooring | Carpet |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Lot Area | 9,888 sqft (0.227 acres) |
| Lot Dimensions | 141 ft deep x 70 ft wide |
| Garage Area | 320 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 77 E OREGON ST |
|---|---|
| City | LAPEER |
| State | MI |
| Zip | 48446-2327 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CITY OF LAPEER SI T8N, R10E, SEC 32 BEG AT A PT TH AT IS N 89*30' W 1059.61 FT & N 1*51'10 W 66 FT F ROM TH SE COR OF SAID |
| Legal Range | 10E |
| Legal Township | 08N |
| Legal Section | 32 |
| Jurisdiction | LAPEER MI |
| Township / Civil Division | LAPEER |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 337500 |
Source: Lapeer County records · APN L22-08-502-040-00
Assessment roll updated August 14, 2025 · Last verified June 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 File |
|---|---|
| Mailing Address | 77 E OREGON ST, LAPEER, MI 48446-2327 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 14, 2025 | Deed of Trust, Mortgage · Line of Credit ELGA CREDIT UNION |
| May 26, 2021 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 16, 1997 · Amount on Record |
| Deed Sale | Oct 16, 1997 · Amount on Record |
| Prior Sale | Oct 16, 1979 · Amount on Record |
| Deed Document Number | 19971 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 77 E OREGON ST, LAPEER, MI 48446-2327 |
| Transaction Type | Mortgage |
| Record Updated | Dec 03, 2025 |
| Name | Verified Name |
|---|---|
| Address | 77 E OREGON ST, LAPEER, MI 48446-2327 |
| Document Number | 0034880667 |
|---|---|
| Date | Nov 14, 2025 |
| Book Page | 3488/667 |
| Name | ELGA CREDIT UNION |
|---|---|
| Type | Credit Union |
| Address | 6065 GRAND POINTE BLVD, GRAND BLANC, MI 48439 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Nov 27, 2050 |
| Change Frequency | Monthly |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 77 E OREGON ST, LAPEER, MI 48446-2327 |
| Transaction Type | Mortgage |
| Record Updated | Jul 07, 2021 |
| Title Company | AMERICAN SETTLEMENT SERVICES, AMERICAS SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 77 E OREGON ST, LAPEER, MI 48446-2327 |
| Document Number | 0032060343 |
|---|---|
| Date | May 26, 2021 |
| Book Page | 3206/343 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FULTON, MD 20759 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2051 |
Source: Lapeer County records · Assessment roll updated August 14, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Lapeer County |
| Municipality | Lapeer City |
| Unified School District | Lapeer Community Schools (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $661.00 (-24.2%) Homeowner's exemption | $73,000 (+22.69%) | $146,000 (+22.69%) |
| 2023 | $59,500 | $119,000 | |
| 2022 | $872.00 |
Source: FEMA National Flood Hazard Layer, Lapeer County (26087C), updated May 4, 2016 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 260873375003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Policies | 6 in force |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 246 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 2,000 / 250 |
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| AT&T | Fixed Wireless | 100 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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