90 Gray Rd, Lapeer, MI 48446 Property Records

Lapeer County property record for 90 Gray Rd, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,686 sqft · built 1989
Lot Size	10 acres (439,520 sqft)
Owner	2 Individual Names on File
Last Sale	$274,000 (Jun 2005)
Tax Bill	$913 (2025)
Deeds & Mortgages	Nov 2021 Second Mortgage Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`008-002-010-35`

Property Details

APN / Parcel Number

Primary APN	`008-002-010-35`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,686 sqft Living Area
1st Floor Area	1,105 sqft
Basement Area	1,105 sqft
Flooring	Carpet

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Lot Area	439,520 sqft (10 acres)
Garage Area	864 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	90 GRAY RD
City	LAPEER
State	MI
Zip	48446-2810
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SEC 2 T7N R9E PARCEL G BEG 444.81 FT N OF SW COR TH N 444 FT THE 990 FT TH S 444 FT TH W 990 FT TO POB 10.09 A.
Legal Range	09E
Legal Township	07N
Legal Section	02
Jurisdiction	LAPEER MI
Township / Civil Division	ELBA
Census Block Group	1
Census Block	1021
Census Tract	336000

Owner

Source: Lapeer County records · APN 008-002-010-35

Assessment roll updated August 14, 2025 · Last verified June 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 File
Mailing Address	90 GRAY RD, LAPEER, MI 48446-2810
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage STATE OF MICHIGAN
Jan 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 24, 2005 · Amount on Record
Deed Sale	Jun 24, 2005 · Amount on Record
Prior Sale	May 03, 2004 · Amount on Record
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	90 GRAY RD, LAPEER, MI 48446-2810
Transaction Type	Mortgage
Record Updated	Dec 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	90 GRAY RD, LAPEER, MI 48446-2810

Mortgage

Document Number	0032520139
Date	Nov 10, 2021
Book Page	3252/139

Lender

Name	STATE OF MICHIGAN
Type	Non-Lending Institution
Address	FERNDALE, MI 48220

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	59 Months
Due	Oct 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	90 GRAY RD, LAPEER, MI 48446-2810
Transaction Type	Mortgage
Record Updated	Feb 12, 2021
Title Company	RAVENSWOOD TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	90 GRAY RD, LAPEER, MI 48446-2810

Mortgage

Document Number	0031650638
Date	Jan 14, 2021
Book Page	3165/638

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 01, 2036

Tax Assessment & Valuation

Source: Lapeer County records · Assessment roll updated August 14, 2025 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Lapeer County
County Subdivision	Elba Township
Unified School District	Lapeer Community Schools (KG - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$913.00 (-51.12%) Homeowner's exemption	$207,700 (+18.75%)	$415,400 (+18.75%)
2023		$174,900	$349,800
2022	$1,868.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of May 4, 2016 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1998–2013)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Feb 2013 · rainfall accumulation

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

Based on FCC filings for 36 locations within half a mile of this property.

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