Lapeer County property record for 785 Peppermill Cir, Lapeer, MI 48446
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,241 sqft · built 1991 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $165,900 (Jul 2003) |
| Tax Bill | $1,758 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage Jun 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | L21-31-619-040-00 |
| Primary APN | L21-31-619-040-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,241 sqft Living Area |
| 1st Floor Area | 1,217 sqft |
| Basement Area | 1,217 sqft |
| Flooring | Carpet |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Ranch |
| Lot Area | 7,492 sqft (0.172 acres) |
| Lot Dimensions | 125 ft deep x 60 ft wide |
| Garage Area | 366 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 785 PEPPERMILL CIR |
|---|---|
| City | LAPEER |
| State | MI |
| Zip | 48446-2677 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 1 FM |
| Legal Description | CITY OF LAPEER PEPPERMILL ESTATES LOT 19 (L=7 P=139-140 SEC 9, T7N-R10E) |
| Legal Range | 10E |
| Legal Township | 07N |
| Legal Section | 09 |
| Legal Subdivision | CITY OF LAPEER PEPPERMILL ESTATES |
| Legal Lot Number | 19 |
| Jurisdiction | LAPEER MI |
| Township / Civil Division | LAPEER |
| Census Block Group | 1 |
| Census Block | 1044 |
| Census Tract | 337500 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 785 PEPPERMILL CIR, LAPEER, MI 48446-2677 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 13, 2020 | Deed of Trust, Mortgage QUICKEN LOANS LLC |
| Jun 2, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CAPITAL MTG FNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 31, 2003 · Amount on Record |
| Deed Sale | Jul 31, 2003 · Amount on Record |
| Prior Sale | Sep 24, 1991 · Amount on Record |
| Deed Document Number | 20031 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 785 PEPPERMILL CIR, LAPEER, MI 48446-2677 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 785 PEPPERMILL CIR, LAPEER, MI 48446-2677 |
| Document Number | 0031460483 |
|---|---|
| Date | Nov 13, 2020 |
| Book Page | 3146/483 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 785 PEPPERMILL CIR, LAPEER, MI 48446-2677 |
| Document Number | 0029000670 |
| Book / Page | 002900 / 000670 |
| Instrument Date | Jun 2, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 785 PEPPERMILL CIR LAPEER MI 484462677, LAPEER, MI 48446-2677 |
| Document Number | 0029000670 |
|---|---|
| Date | Jun 20, 2017 |
| Book Page | 002900/000670 |
| Name | CAPITAL MTG FNDG |
|---|---|
| Type | Mortgage Company |
| Address | CARROLLTON, TX 75007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 19, 2047 |
Source: Lapeer County assessment roll, as of September 24, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Lapeer County |
| Municipality | Lapeer City |
| Unified School District | Lapeer Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $115,400 (+8.66%) | $230,800 (+8.66%) | |
| 2025 | $1,758.00 (+15.81%) Homeowner's exemption | $106,200 (+32.92%) | $212,400 (+32.92%) |
| 2023 | $79,900 | $159,800 | |
| 2022 | $1,518.00 |
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 | 4 in force |
| Nearby Flood Claims | 2 (1997–2009) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Aug 2009 · river or lake flooding |
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 99.1% of the US · lower than 98.4% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF LAPEER serves 9,023 people · EPA ID MI0003780 |
|---|---|
| Water Source | Purchased surface water from GREAT LAKES WATER AUTHORITY |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Jan 2023 |
| Monitoring and Reporting | 11 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 164 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 |
| AT&T Fixed Wireless | 100 / 20 |
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