921 N Main St, Lapeer, MI 48446 Property Records

Lapeer County property record for 921 N Main St, Lapeer, MI 48446

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,465 sqft · built 1890
Lot Size	0.427 acres (18,600 sqft)
Owner	Trust Name on File
Last Sale	$160,100 (Jul 2024)
Tax Bill	$3,401 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Jan 2022 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`L20-40-000-040-00`

Property Details

APN / Parcel Number

Primary APN	`L20-40-000-040-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,465 sqft Living Area
1st Floor Area	1,003 sqft
Basement Area	336 sqft
Flooring	Carpet

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Lot Area	18,600 sqft (0.427 acres)
Lot Dimensions	200 ft deep x 93 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	921 N MAIN ST
City	LAPEER
State	MI
Zip	48446-1932
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 6, LOTS 5, 8 & S 42.9 FT OF LOTS 4 & 9 (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	6
Legal Lot Number	4-5,8-9
Jurisdiction	LAPEER MI
Township / Civil Division	LAPEER
Census Block Group	1
Census Block	1015
Census Tract	337000

Owner

921 N Main St is held in a trust since July 2024.

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

Owner of Record	Trust Name on File
Mailing Address	2132 PERO LAKE RD, LAPEER, MI 48446-9033
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Nov 21, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jan 26, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FREEDOM MORTGAGE CORP
Jan 30, 2020	Loan Modification, Mortgage · Conventional Mortgage FREEDOM MTG
May 10, 2017	Warranty Deed, Transfer · FHA Mortgage CASON HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2024 · Amount on File
Deed Sale	Jul 10, 2024 · Amount on File
Prior Sale	May 10, 2017 · Amount on File
Deed Book / Page	3410 / 607
Prior Transfer Date	Jun 15, 2015
Prior Transfer Doc	0027700985
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	921 N MAIN ST, LAPEER, MI 48446-1932
Transaction Type	Mortgage
Record Updated	Dec 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	921 N MAIN ST, LAPEER, MI 48446-1932

Mortgage

Document Number	0033770532
Date	Nov 21, 2023
Book Page	3377/532

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	951 W YAMATO RD, BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	316 Months
Due	Mar 1, 2050

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAPEER MI
Property Address	921 N MAIN ST, LAPEER, MI 48446-1932
Transaction Type	Mortgage
Record Updated	Mar 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	921 N MAIN ST, LAPEER, MI 48446-1932

Mortgage

Document Number	0032690989
Date	Jan 26, 2022
Book Page	3269/989

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	DENVER, CO 80249

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	338 Months
Due	Mar 1, 2050

January 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LAPEER MI
Property Address	921 N MAIN ST, LAPEER, MI 48446-1932
Document Number	0030840236
Instrument Date	Jan 30, 2020
Transaction Type	Mortgage
Record Updated	Jun 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	921 N MAIN ST LAPEER MI 484461932, LAPEER, MI 48446-1932

Mortgage

Document Number	0030840236
Date	Mar 5, 2020
Book Page	003084/000236

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	FISHERS, IN 46037

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 4, 2050

Interest

Rate Type	Fixed Rate
Rate	3.75%

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAPEER MI
Recording Date	May 10, 2017
Property Address	921 N MAIN ST, LAPEER, MI 48446-1932
Document Number	0028920848
Book / Page	002892 / 000848
Instrument Date	May 5, 2017
Transaction Type	Transfer
Record Updated	Aug 5, 2020
Title Company	LIBERTY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$788.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	766 S SAGINAW ST #205 LAPEER MI 484462629, 205, LAPEER, MI 48446-2629

Mortgage

Document Number	28920850
Date	May 10, 2017
Book Page	002892/000850

Lender

Name	CASON HM LNS
Type	Funding / Finance Company
Address	7108 FAIRWAY DR # 325, PALM BEACH GARDENS, FL 33418-3769

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 9, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 921 N Main St was $3,401.

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		$72,600 (+2.11%)	$145,200 (+2.11%)
2025	$3,401.00 Homeowner's exemption	$71,100	$142,200
2023		$61,200	$122,400
2022	$1,404.00

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 921 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 921 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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