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Updated 2025 Tax Year

Lapeer County
Property Tax Guide

Everything you need to know about property taxes in Lapeer County, MI. Rates, due dates, exemptions, and how it affects your monthly payment.

10 Official Sources
8 min read
Quick Facts
Tax Rate
28-40 mills (2.8-4.0% of assessed value), varies by township and special districts
Exemptions
5+ Available
Section 1

How Property Tax Works

Lapeer County property taxes fund essential local services including public schools, county government operations, libraries, parks, and emergency services. The property tax system is administered at the local level, with taxes collected by individual townships and municipalities, then distributed to the appropriate taxing authorities. Property owners in Lapeer County can expect effective tax rates ranging from approximately 28-40 mills (2.8-4.0% of assessed value), depending on their specific location within the county.

Your actual property tax rate varies significantly based on your location within Lapeer County due to different combinations of special taxing districts. These districts may include local school districts, library districts, fire protection districts, and various municipal authorities. Each district levies its own millage rate, which combines to create your total property tax bill. The county's millage rates are applied to your property's taxable value, which is typically 50% of the assessed market value.

Section 2

What Makes Up Your Tax Bill

ComponentRate (Mills)Description
County Operating5.5-7.0General county services, courts, sheriff
School Operating18-24Local school district operations (varies by district)
State Education Tax6.0Statewide school funding
Intermediate School District2.0-4.0Lapeer County ISD services
Library0.5-2.0Public library systems (where applicable)
Fire Protection1.0-3.0Fire department services (varies by district)
Parks & Recreation0.5-1.5County and local park systems
Special AssessmentsVariesDrainage, lighting, road improvements

Rates shown are for FY 2025-2026 levy year and represent typical ranges. Your exact rate depends on which special taxing districts serve your property location. Total combined rates typically range from 28-40 mills countywide.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Lapeer County, property taxes are due in two installments:

Pro tip: If you pay through mortgage escrow, your lender splits these payments across your monthly mortgage. If you pay directly, set calendar reminders to avoid late penalties.
Section 4

Supplemental Tax Bills

Supplemental taxes in Lapeer County are additional property tax assessments issued when there's a change in property ownership, completion of new construction, or other improvements that increase a property's assessed value during the tax year. These taxes cover the difference between what was originally assessed and what should have been assessed based on the property changes.

For example, if you purchase a home in Lapeer County that was previously assessed at $150,000 but sells for $300,000, the assessor may issue a supplemental assessment for the increased value. The supplemental tax would be calculated by applying the current millage rate to the difference in taxable value, prorated for the remaining months in the tax year. If this occurs in July with 6 months remaining in the tax year, and the taxable value increases by $75,000, you would owe approximately 50% of the annual tax on that $75,000 increase.

Example Calculation

Example 1: $300,000 Home with Homestead Exemption

  • Market Value: $300,000
  • Assessed Value: $150,000 (50% of market value)
  • Homestead Exemption Applied: $150,000 (caps assessment increases)
  • Net Taxable Value: $150,000
  • Tax Rate: 35 mills
  • Annual Tax: $5,250
  • Monthly Escrow: $438

Example 2: $600,000 Home with Homestead Exemption

  • Market Value: $600,000
  • Assessed Value: $300,000
  • Homestead Exemption Applied: $300,000 (assessment growth capped)
  • Net Taxable Value: $300,000
  • Tax Rate: 35 mills
  • Annual Tax: $10,500
  • Monthly Escrow: $875

Example 3: $1,000,000 Commercial Property

  • Market Value: $1,000,000
  • Assessed Value: $500,000
  • No Homestead Exemption: Not applicable for commercial
  • Net Taxable Value: $500,000
  • Tax Rate: 40 mills (higher due to commercial districts)
  • Annual Tax: $20,000
  • Monthly Escrow: $1,667

Note: Homestead exemption requires annual application and caps assessment increases rather than reducing market value.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Lapeer County require property tax escrow accounts for borrowers with less than 20% down payment. Your lender collects monthly payments equal to 1/12 of your estimated annual property tax bill, plus insurance premiums. These funds are held in a separate escrow account and used to pay your property taxes when due.

Lapeer County property taxes are typically paid twice annually - summer taxes due in July and winter taxes due by February 17th. Your mortgage servicer will pay these bills directly from your escrow account. It's important to verify that payments are made on time, as you remain ultimately responsible for the taxes even when using escrow. You'll receive an annual escrow analysis showing account activity and any required payment adjustments based on actual tax bills versus estimates.

How HonestCasa Helps
  • Understand whether your escrow is set correctly
  • See how rising taxes will change your monthly payment
  • Plan ahead instead of being surprised by "shortage" letters
Section 6

Frequently Asked Questions

Q: When are property taxes due in Lapeer County for the 2025-2026 tax year? A: Winter 2025 property taxes are due without penalty by February 17, 2026. Summer taxes are typically due in July. Taxes unpaid after the due date must be paid at the Lapeer County Treasurer's office and may incur penalties and interest.

Q: What is the Homestead Exemption and how do I apply? A: The Principal Residence Exemption (PRE) is a tax credit that exempts your primary residence from local school operating taxes and caps annual assessment increases. This is NOT automatic - you must file an application with your local assessor's office. The exemption reduces your tax bill, not your property's assessed value.

Q: Are there other tax credits available that require application? A: Yes, several credits require annual application including: disabled veteran exemptions, senior citizen/disabled person exemptions, agricultural exemptions, and poverty exemptions. Contact your local assessor's office for specific applications and deadlines.

Q: How often are properties reassessed in Lapeer County? A: Properties are assessed annually, but physical inspections typically occur every 3-5 years. Market values are updated annually based on sales data and market trends. You'll receive a notice of assessment each year with appeal information.

Q: What happens if I disagree with my property assessment? A: You can appeal your assessment by contacting your local assessor first, then the Board of Review if unsatisfied. Appeals must typically be filed by mid-March. You'll need comparable sales data or professional appraisal to support your case.

Q: What are the penalties for late property tax payments? A: Late payments incur interest and penalty charges. After the February deadline, delinquent taxes are turned over to the County Treasurer and may eventually result in tax foreclosure if unpaid for three years.

Q: Can I pay my property taxes online? A: Yes, most jurisdictions in Lapeer County offer online payment options. Contact your local treasurer's office or visit the county website for specific payment portals and accepted payment methods.

Q: Why did my property taxes increase even though I have a Homestead Exemption? A: The Homestead Exemption caps assessment increases but doesn't prevent all increases. Your taxes can still rise due to millage rate changes, voter-approved bonds, or assessment increases within the allowable caps.

Q: What are special district taxes and why do they vary by location? A: Special districts provide specific services like fire protection, libraries, or drainage. Your property's location determines which districts serve you, creating different total tax rates across the county. These districts can add or modify their millage rates based on service needs and voter approval.

Q: How do I verify my property tax information is correct? A: Review your annual assessment notice carefully, verify your property details, confirm any exemptions are properly applied, and contact your local assessor's office with questions. For tax bill questions, contact finance@ci.lapeer.mi.us or call 810-664-2902.

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