809 N Main St, Lapeer, MI 48446 Property Records

Lapeer County property record for 809 N Main St, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,180 sqft · built 1890
Lot Size	0.136 acres (5,924 sqft)
Owner	2 Individual Names on Record
Last Sale	$94,900 (Jul 2016)
Tax Bill	$677 (2025)
Deeds & Mortgages	May 2021 Second Mortgage May 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`L20-46-900-040-00`

Property Details

APN / Parcel Number

Primary APN	`L20-46-900-040-00`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Building Area	1,180 sqft Living Area
1st Floor Area	880 sqft
Basement Area	384 sqft
Flooring	Carpet

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Lot Area	5,924 sqft (0.136 acres)
Lot Dimensions	79 ft deep x 75 ft wide
Garage Area	216 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	809 N MAIN ST
City	LAPEER
State	MI
Zip	48446-1930
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 1 FM
Legal Description	CITY OF LAPEER ORIGINAL PLAT NW 1/4 BLK 17 E 79.3 FT OF LOT 6 & E 79.3 FT OF S 1/2 OF LOT 7
Legal Subdivision	CITY OF LAPEER ORIGINAL
Legal Block	17
Legal Lot Number	6-7
Jurisdiction	LAPEER MI
Township / Civil Division	LAPEER
Census Block Group	1
Census Block	1018
Census Tract	337000

Owner

Source: Lapeer County records, as of May 27, 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	809 N MAIN ST, LAPEER, MI 48446-1930
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
May 11, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECURITY CU
May 9, 2022	Deed of Trust, Mortgage · Conventional Mortgage SECURITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2016 · Amount on Record
Deed Sale	Jul 11, 2016 · Amount on Record
Prior Sale	Jan 4, 2016 · Amount on Record
Deed Book / Page	2837 / 321
Last Transfer Date	Oct 8, 2024
Transfer Doc	0034240738
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	809 N MAIN ST, LAPEER, MI 48446-1930
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	809 N MAIN ST, LAPEER, MI 48446-1930

Mortgage

Document Number	0032010902
Date	May 11, 2021
Book Page	3201/902

Lender

Name	SECURITY CU
Type	Credit Union
Address	HOLLY, MI 48442

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 5, 2031

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	809 N MAIN ST, LAPEER, MI 48446-1930
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	HOMELAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	809 N MAIN ST, LAPEER, MI 48446-1930

Mortgage

Document Number	0032920598
Date	May 9, 2022
Book Page	3292/598

Lender

Name	SECURITY CU
Type	Credit Union
Address	HOLLY, MI 48442

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

Tax Assessment & Valuation

Source: Lapeer County assessment roll, as of August 14, 2025

Property Jurisdictions

Type	Name
State	Michigan
County	Lapeer County
Municipality	Lapeer City
Unified School District	Lapeer Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$677.00 (-31.34%) Homeowner's exemption	$57,000 (+15.62%)	$114,000 (+15.62%)
2024	$986.00 (+10.54%)
2023		$49,300	$98,600
2022	$892.00

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

Flood

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 Claims	1 (1997)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 1997 · 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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 318 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 DSL	100 / 20

May also be available: Xfinity.

Nearby Properties on N Main St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures