Lapeer County property record for 786 Peppermill Cir, Lapeer, MI 48446
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,324 sqft · built 1991 |
| Lot Size | 0.183 acres (7,971 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $172,000 (Apr 2017) |
| Tax Bill | $2,291 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Mar 2024 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | L21-31-614-040-00 |
| Primary APN | L21-31-614-040-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,324 sqft Living Area |
| 1st Floor Area | 624 sqft |
| Basement Area | 624 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Lot Area | 7,971 sqft (0.183 acres) |
| Lot Dimensions | 133 ft deep x 60 ft wide |
| Garage Area | 480 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 786 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 14 (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 | 14 |
| Jurisdiction | LAPEER MI |
| Township / Civil Division | LAPEER |
| Census Block Group | 1 |
| Census Block | 1043 |
| 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 | 786 PEPPERMILL CIR, LAPEER, MI 48446-2677 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 19, 2026 | Deed of Trust, Mortgage · FHA Mortgage FIRST AMERICAN TITLE |
| Mar 4, 2024 | Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK |
| May 27, 2022 | Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE |
| Apr 3, 2017 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 3, 2017 · Amount on Record |
| Deed Sale | Apr 3, 2017 · Amount on Record |
| Prior Sale | Oct 25, 1991 · Amount on Record |
| Deed Book / Page | 2885 / 974 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Recording Date | Aug 19, 2026 |
| Property Address | 786 PEPPERMILL CIR, LAPEER, MI 48446-2677 |
| Document Number | 3539000191 |
| Book / Page | 3539 / 191 |
| Instrument Date | Jul 10, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Sep 10, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 786 PEPPERMILL CIR, LAPEER, MI 48446-2677 |
| Document Number | 3539000191, |
|---|---|
| Date | Aug 19, 2026 |
| Book Page | 3539/191 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 307 Months |
| Due | Mar 1, 2052 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 786 PEPPERMILL CIR, LAPEER, MI 48446-2677 |
| Transaction Type | Mortgage |
| Record Updated | Apr 12, 2024 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 786 PEPPERMILL CIR, LAPEER, MI 48446-2677 |
| Document Number | 0033890993 |
|---|---|
| Date | Mar 4, 2024 |
| Book Page | 3389/993 |
| Name | MIDFIRST BANK |
|---|---|
| Type | Bank |
| Address | 501 NW GRAND BLVD, OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 786 PEPPERMILL CIR, LAPEER, MI 48446-2677 |
| Transaction Type | Mortgage |
| Record Updated | Jul 1, 2022 |
| Title Company | FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 786 PEPPERMILL CIR, LAPEER, MI 48446-2677 |
| Document Number | 0032960333 |
|---|---|
| Date | May 27, 2022 |
| Book Page | 3296/333 |
| Name | MIDLAND MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Mar 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAPEER MI |
| Recording Date | Apr 3, 2017 |
| Property Address | 786 PEPPERMILL CIR, LAPEER, MI 48446-2677 |
| Document Number | 0028850974 |
| Book / Page | 2885 / 974 |
| Instrument Date | Mar 21, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jul 5, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 406 JOHNSON ST, ALMONT, MI 48003-1040 |
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 | $119,700 (+6.4%) | $239,400 (+6.4%) | |
| 2025 | $2,291.00 (+15.59%) Homeowner's exemption | $112,500 (+36.86%) | $225,000 (+36.86%) |
| 2023 | $82,200 | $164,400 | |
| 2022 | $1,982.00 |
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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