Midland County property record for 10 S Spring St, Midland, MI 48640
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,350 sqft · built 1982 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $160,000 (Nov 2021) |
| Tax Bill | $3,130 (2025) |
| Deeds & Mortgages | Feb 2026 Second Mortgage Nov 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 040-550-500-230-00 |
| Primary APN | 040-550-500-230-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,350 sqft Living Area |
| 1st Floor Area | 1,350 sqft |
| Basement Area | 1,344 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Lot Area | 20,038 sqft (0.46 acres) |
| Garage Area | 580 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 10 S SPRING ST |
|---|---|
| City | MIDLAND |
| State | MI |
| Zip | 48640-9097 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | T14N R1E LOT 23 OAKWOOD HEIGHTS. |
| Legal Subdivision | OAKWOOD HEIGHTS |
| Legal Lot Number | 23 |
| Jurisdiction | MIDLAND MI |
| Township / Civil Division | HOMER |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 291200 |
Source: Midland County records, as of August 4, 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 Record |
|---|---|
| Mailing Address | 10 S SPRING ST, MIDLAND, MI 48640-9097 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 23, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage WILDFIRE CU |
| Nov 8, 2021 | Warranty Deed, Transfer · Conventional Mortgage WILDFIRE CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 8, 2021 · Amount on Record |
| Deed Sale | Nov 8, 2021 · Amount on Record |
| Prior Sale | Jun 1, 1980 · Amount on Record |
| Deed Book / Page | 1651 / 675 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDLAND MI |
| Property Address | 10 S SPRING ST, MIDLAND, MI 48640-9097 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 10 S SPRING ST, MIDLAND, MI 48640-9097 |
| Document Number | 2026R01600 |
|---|---|
| Date | Feb 23, 2026 |
| Instrument | 2026R-01600 |
| Name | WILDFIRE CU |
|---|---|
| Type | Credit Union |
| Address | SAGINAW, MI 48605 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Mar 1, 2031 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MIDLAND MI |
| Recording Date | Nov 8, 2021 |
| Property Address | 10 S SPRING ST, MIDLAND, MI 48640-9097 |
| Document Number | 001651/675 |
| Book / Page | 1651 / 675 |
| Map Reference | LB E PG 26 |
| Instrument Date | Nov 4, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jul 4, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,200.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 151 S FRANKLIN ST, 151, ALPENA, MI 49707-3363 |
| Name | Verified Name |
|---|---|
| Address | 700 N VAN BUREN ST, BAY CITY, MI 48708-6541 |
| Document Number | 0001651676 |
|---|---|
| Date | Nov 8, 2021 |
| Instrument | 1651/676 |
| Name | WILDFIRE CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
Source: Midland County assessment roll, as of August 4, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Midland County |
| County Subdivision | Homer Township |
| Unified School District | Midland Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $123,000 | $246,000 | |
| 2025 | $3,130.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective February 3, 2014 · 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 | 2 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | HOMER TOWNSHIP serves 3,097 people · EPA ID MI0003223 |
|---|---|
| Water Source | Purchased surface water from CITY OF MIDLAND |
| Last State Inspection | Jun 2025 |
| Lead | 3 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 52 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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