Lapeer County property record for 831 Beach St, Lapeer, MI 48446
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,012 sqft · built 1960 |
| Lot Size | 0.287 acres (12,502 sqft) |
| Owner | Individual Name on File |
| Last Sale | $83,000 (Jul 2002) |
| Tax Bill | $1,179 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Feb 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | L20-80-401-040-00 |
| Primary APN | L20-80-401-040-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,012 sqft Living Area |
| 1st Floor Area | 1,012 sqft |
| Basement Area | 612 sqft |
| Flooring | Carpet |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Ranch |
| Lot Area | 12,502 sqft (0.287 acres) |
| Lot Dimensions | 125 ft deep x 100 ft wide |
| Garage Area | 616 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 831 BEACH ST |
|---|---|
| City | LAPEER |
| State | MI |
| Zip | 48446-2404 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 1 FM |
| Legal Description | CITY OF LAPEER ORIGINAL PLAT SW 1/4 W 1/2 OF N 1/2 OF BLK 145 (L=1 P=73 SEC 5, T7N-R10E) |
| Legal Range | 10E |
| Legal Township | 07N |
| Legal Section | 05 |
| Legal Subdivision | CITY OF LAPEER R ORIGINAL |
| Legal Block | 145 |
| Jurisdiction | LAPEER MI |
| Township / Civil Division | LAPEER |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 337500 |
831 Beach St is owned and occupied by an individual who acquired it in October 2015.
Source: Lapeer County records, as of September 24, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 831 BEACH ST, LAPEER, MI 48446-2404 |
| 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 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CHOICEONE BANK |
| Feb 8, 2019 | Deed of Trust, Mortgage · Conventional with PMI LAKESTONE BK&TR |
| Feb 8, 2019 | Deed of Trust, Mortgage · Line of Credit LAKESTONE BK&TR |
| Sep 10, 2018 | Deed of Trust, Mortgage · Line of Credit LAKESTONE BK&TR |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 29, 2002 · Amount on File |
| Deed Sale | Jul 29, 2002 · Amount on File |
| Deed Document Number | 20021 |
| Last Transfer Date | Oct 2, 2015 |
| Transfer Doc | 2790000399 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 831 BEACH ST, LAPEER, MI 48446-2404 |
| Transaction Type | Mortgage |
| Record Updated | Jan 31, 2022 |
| Name | Verified Name |
|---|---|
| Address | 831 BEACH ST, LAPEER, MI 48446-2404 |
| Document Number | 0032610940 |
|---|---|
| Date | Dec 22, 2021 |
| Book Page | 3261/940 |
| Name | CHOICEONE BANK |
|---|---|
| Type | Bank |
| Address | SPARTA, MI 49345 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 831 BEACH ST, LAPEER, MI 48446-2404 |
| Document Number | 0030080885 |
| Instrument Date | Feb 8, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 25, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 831 BEACH ST LAPEER MI 484462404, LAPEER, MI 48446-2404 |
| Document Number | 0030080885 |
|---|---|
| Date | Feb 15, 2019 |
| Book Page | 003008/000885 |
| Name | LAKESTONE BK&TR |
|---|---|
| Address | LAPEER, MI 48446 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 14, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 831 BEACH ST, LAPEER, MI 48446-2404 |
| Document Number | 0030080897 |
| Instrument Date | Feb 8, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 831 BEACH ST LAPEER MI 484462404, LAPEER, MI 48446-2404 |
| Document Number | 0030080897 |
|---|---|
| Date | Feb 15, 2019 |
| Book Page | 003008/000897 |
| Name | LAKESTONE BK&TR |
|---|---|
| Address | LAPEER, MI 48446 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Feb 14, 2029 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAPEER MI |
| Property Address | 831 BEACH ST, LAPEER, MI 48446-2404 |
| Document Number | 0029840992 |
| Instrument Date | Sep 10, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2018 |
| Name | Verified Name |
|---|---|
| Address | 831 BEACH ST LAPEER MI 484462404, LAPEER, MI 48446-2404 |
| Document Number | 0029840992 |
|---|---|
| Date | Sep 14, 2018 |
| Book Page | 002984/000992 |
| Name | LAKESTONE BK&TR |
|---|---|
| Address | LAPEER, MI 48446 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Sep 13, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
The 2025 property tax bill for 831 Beach St was $1,179 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 | $75,800 (+7.67%) | $151,600 (+7.67%) | |
| 2025 | $1,179.00 Homeowner's exemption | $70,400 | $140,800 |
| 2023 | $58,200 | $116,400 | |
| 2022 | $1,026.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 831 Beach St 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.
The area around 831 Beach St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 84 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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