Midland County property record for 1010 Willard St, Midland, MI 48642
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,735 sqft · built 1959 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $130,000 (Jul 2016) |
| Tax Bill | $3,821 (2025) |
| Deeds & Mortgages | Sep 2025 Line of Credit Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-10-20-108 |
| Primary APN | 14-10-20-108 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,735 sqft Living Area |
| 1st Floor Area | 1,735 sqft |
| Basement Area | 1,735 sqft |
| Unfinished Basement | 1,735 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Architectural Style | Ranch |
| Lot Area | 15,682 sqft (0.36 acres) |
| Lot Dimensions | 156 ft deep x 100 ft wide |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1010 WILLARD ST |
|---|---|
| City | MIDLAND |
| State | MI |
| Zip | 48642-3717 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA-1 |
| Legal Description | LOT 17 MATTES SUB NO 1 |
| Legal Subdivision | MATTES SUB |
| Legal Lot Number | 17 |
| Jurisdiction | MIDLAND MI |
| Township / Civil Division | MIDLAND |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 290800 |
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 | 1010 WILLARD ST, MIDLAND, MI 48642-3717 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 16, 2025 | Deed of Trust, Mortgage · Line of Credit DOW CU |
| Oct 26, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 6, 2016 · Amount on Record |
| Deed Sale | Jul 6, 2016 · Amount on Record |
| Deed Book / Page | 1597 / 1151 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDLAND MI |
| Property Address | 1010 WILLARD ST, MIDLAND, MI 48642-3717 |
| Transaction Type | Mortgage |
| Record Updated | Oct 8, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1010 WILLARD ST, MIDLAND, MI 48642-3717 |
| Document Number | 2025R08206 |
|---|---|
| Date | Sep 16, 2025 |
| Instrument | 2025R-08206 |
| Name | DOW CU |
|---|---|
| Type | Credit Union |
| Address | MIDLAND, MI 48641 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 25, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDLAND MI |
| Property Address | 1010 WILLARD ST, MIDLAND, MI 48642-3717 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CARDINAL FINANCIAL CO LP |
| Name | Verified Name |
|---|---|
| Address | 1010 WILLARD ST, MIDLAND, MI 48642-3717 |
| Document Number | 1638/1297 |
|---|---|
| Date | Oct 26, 2020 |
| Book Page | 1638/1297 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | FLINT, MI 48501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
Source: Midland County assessment roll, as of August 4, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Midland County |
| Municipality | Midland City |
| Unified School District | Midland Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $140,900 | $281,800 | |
| 2025 | $3,821.00 |
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 |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2008) |
| Most Recent Claim | Jun 2008 |
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 97% of the US · lower than 93% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF MIDLAND serves 42,547 people · EPA ID MI0004370 |
|---|---|
| Water Source | Purchased surface water from SAGINAW-MIDLAND WATER SUPPLY |
| Last State Inspection | Mar 2023 |
| Lead | 3 ppb (2024) 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.
Source: FCC Broadband Data Collection, based on 379 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Omni Fiber Fiber | 10,000 / 10,000 |
| Ripple Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
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