Lapeer County property record for 828 Peppermill Cir, Lapeer, MI 48446
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,824 sqft · built 1995 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | Individual Name on File |
| Last Sale | $283,513 (Jun 2022) |
| Tax Bill | $3,482 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Nov 2025 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | L21-31-643-040-00 |
| Primary APN | L21-31-643-040-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,824 sqft Living Area |
| 1st Floor Area | 1,039 sqft |
| Basement Area | 1,039 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Lot Area | 11,761 sqft (0.27 acres) |
| Lot Dimensions | 123 ft deep x 71 ft wide |
| Garage Area | 480 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 828 PEPPERMILL CIR |
|---|---|
| City | LAPEER |
| State | MI |
| Zip | 48446-2678 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 1 FM |
| Legal Description | CITY OF LAPEER PEPPERMILL ESTATES #2 LOT 43 (L=7 P=154-155 SEC 9, T7N-R10E) |
| Legal Range | 10E |
| Legal Township | 07N |
| Legal Section | 09 |
| Legal Subdivision | CITY OF LAPEER PEPPERMILL ESTATES |
| Legal Lot Number | 43 |
| Jurisdiction | LAPEER MI |
| Township / Civil Division | LAPEER |
| Census Block Group | 1 |
| Census Block | 1043 |
| Census Tract | 337500 |
828 Peppermill Cir is owned and occupied by an individual who bought it in June 2022.
Source: Lapeer County records, as of September 24, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 828 PEPPERMILL CIR, LAPEER, MI 48446-2678 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 3, 2025 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Nov 20, 2025 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Jun 23, 2022 | Warranty Deed, Transfer MASON BURGESS TITLE AGENCY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 23, 2022 · Amount on File |
| Deed Sale | Jun 23, 2022 · Amount on File |
| Prior Sale | Mar 25, 2005 · Amount on File |
| Deed Book / Page | 3301 / 69 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 828 PEPPERMILL CIR, LAPEER, MI 48446-2678 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 828 PEPPERMILL CIR, LAPEER, MI 48446-2678 |
| Document Number | 0034910673 |
|---|---|
| Date | Dec 3, 2025 |
| Book Page | 3491/673 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | 222 DELAWARE AVE, WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 479 Months |
| Due | Nov 27, 2065 |
| Change Frequency | Monthly |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 828 PEPPERMILL CIR, LAPEER, MI 48446-2678 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 828 PEPPERMILL CIR, LAPEER, MI 48446-2678 |
| Document Number | 0034890506 |
|---|---|
| Date | Nov 20, 2025 |
| Book Page | 3489/506 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | 222 DELAWARE AVE, WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Nov 15, 2065 |
| Change Frequency | Monthly |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAPEER MI |
| Recording Date | Jun 23, 2022 |
| Property Address | 828 PEPPERMILL CIR, LAPEER, MI 48446-2678 |
| Document Number | 0033010069 |
| Book / Page | 3301 / 69 |
| Map Reference | LB 7 PG 154 |
| Instrument Date | Jun 17, 2022 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2022 |
| Title Company | MASON BURGESS TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Tax | $2,130.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 828 PEPPERMILL CIR, 828, LAPEER, MI 48446-2678 |
| Name | Verified Name |
|---|---|
| Address | 2148 BALDWIN RD, LAPEER, MI 48446-9773 |
The 2025 property tax bill for 828 Peppermill Cir was $3,482 with a homeowner's exemption.
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 | $153,200 (+6.76%) | $306,400 (+6.76%) | |
| 2025 | $3,482.00 Homeowner's exemption | $143,500 | $287,000 |
| 2023 | $108,000 | $216,000 | |
| 2022 | $1,953.00 |
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.
FEMA maps place 828 Peppermill Cir in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1997.
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.
Wildfire risk around 828 Peppermill Cir is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 95% of Michigan |
|---|---|
| Wildfire Likelihood | Under 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: 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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