847 N Main St, Lapeer, MI 48446 Property Records

Lapeer County property record for 847 N Main St, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,370 sqft · built 1920
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$221,000 (Dec 2025)
Tax Bill	$1,470 (2024)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Jul 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`L20-46-400-040-00`

Property Details

APN / Parcel Number

Primary APN	`L20-46-400-040-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,370 sqft Living Area
1st Floor Area	880 sqft
Basement Area	880 sqft
Flooring	Carpet

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	200 ft deep x 50 ft wide
Garage Area	300 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	847 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 EX ORIGINAL PLAT NW 1/4 LOTS 1 & 10 BLK 17
Legal Subdivision	CITY OF LAPEER ORIGINAL
Legal Block	17
Legal Lot Number	1,10
Jurisdiction	LAPEER MI
Township / Civil Division	LAPEER
Census Block Group	1
Census Block	1018
Census Tract	337000

Owner

847 N Main St is owned and occupied by two individuals who bought it in December 2025.

Source: Lapeer County records, as of September 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5388 DAVISON RD, LAPEER, MI 48446-2716
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2025	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jul 26, 2023	Intrafamily Transfer, Transfer
Apr 12, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2025 · Amount on File
Deed Sale	Dec 10, 2025 · Amount on File
Prior Sale	Sep 1, 1989 · Amount on File
Deed Book / Page	3492 / 595
Prior Transfer Date	Jul 26, 2023
Prior Transfer Doc	0033600861
Record Updated	Oct 29, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	Dec 10, 2025
Property Address	847 N MAIN ST, LAPEER, MI 48446-1930
Document Number	0034920595
Book / Page	3492 / 595
Map Reference	LB D PG 1
Instrument Date	Dec 2, 2025
Transaction Type	Transfer
Record Updated	Jan 15, 2026
Title Company	HERITAGE TITLE COMPANY, HERITAGE TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$165.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	847 N MAIN ST, LAPEER, MI 48446-1930

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5388 DAVISON RD, LAPEER, MI 48446-2716

Mortgage

Document Number	0003493327
Date	Dec 10, 2025
Instrument	3493/327

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2046

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAPEER MI
Recording Date	Jul 26, 2023
Property Address	847 N MAIN ST, LAPEER, MI 48446-1930
Document Number	0033600861
Book / Page	3360 / 861
Map Reference	LB D PG 1
Instrument Date	Jul 26, 2023
Transaction Type	Transfer
Record Updated	Aug 28, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	847 N MAIN ST, LAPEER, MI 48446-1930

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	847 N MAIN ST, LAPEER, MI 48446-1930

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	847 N MAIN ST, LAPEER, MI 48446-1930
Document Number	0030180448
Instrument Date	Apr 12, 2019
Transaction Type	Mortgage
Record Updated	May 23, 2019
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	847 N MAIN ST LAPEER MI 484461930, LAPEER, MI 48446-1930

Mortgage

Document Number	0030180448
Date	Apr 19, 2019
Book Page	003018/000448

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 18, 2034

Tax Assessment & Valuation

Source: Lapeer County assessment roll, as of September 24, 2026

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
2026		$90,800 (+1.79%)	$181,600 (+1.79%)
2025	Homeowner's exemption	$89,200	$178,400
2024	$1,470.00
2022	$1,330.00

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.

Flood

FEMA maps place 847 N Main St in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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 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

Wildfire risk around 847 N Main St 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 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.

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