1115 Mill St, Midland, MI 48640 Property Records

Midland County property record for 1115 Mill St, Midland, MI 48640

Property Summary

Property Type	Single Family Home
Details	1 ba · 974 sqft · built 1932
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Nov 2025)
Tax Bill	$2,293 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Jun 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-16-40-272`

Property Details

APN / Parcel Number

Primary APN	`14-16-40-272`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	974 sqft Living Area
1st Floor Area	649 sqft
Basement Area	649 sqft
Unfinished Basement	649 sqft

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1932
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1115 MILL ST
City	MIDLAND
State	MI
Zip	48640-5471
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-4
Legal Description	LOT 13 BLK 3 DOW CHEM CO ADD
Legal Subdivision	DOW CHEM CO ADD
Legal Block	3
Legal Lot Number	13
Jurisdiction	MIDLAND MI
Township / Civil Division	MIDLAND
Census Block Group	4
Census Block	4004
Census Tract	290100

Owner

Source: Midland County records, as of August 4, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	5220 HEDGEWOOD DR, 605, MIDLAND, MI 48640-1952
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2025	Warranty Deed, Transfer · Conventional Mortgage STAUNTON FINANCIAL INC
Jun 20, 2023	Warranty Deed, Transfer · Conventional Mortgage MICHIGAN MUTUAL INC
Apr 1, 2022	Warranty Deed, Transfer · Commercial Mortgage FRANKENMUTH CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 13, 2025 · Amount on Record
Deed Sale	Nov 13, 2025 · Amount on Record
Prior Sale	Jun 20, 2023 · Amount on Record
Deed Document Number	202510143
Deed Book / Page	2025 / 10143
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Nov 13, 2025
Property Address	1115 MILL ST, MIDLAND, MI 48640-5471
Document Number	2025R10143
Map Reference	LB A PG 31
Instrument Date	Nov 12, 2025
Instrument	2025R-10143
Transaction Type	Transfer
Record Updated	Dec 2, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1115 MILL ST, MIDLAND, MI 48640-5471

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5220 HEDGEWOOD DR APT 605, 605, MIDLAND, MI 48640-1952

Mortgage

Document Number	2025R10144
Date	Nov 13, 2025
Instrument	2025R-10144

Lender

Name	STAUNTON FINANCIAL INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Mortgage

Document Number	2025R10145
Date	Nov 13, 2025
Instrument	2025R-10145

Lender

Name	MICHIGAN STATE HOUSING DEV AUTHORITY
Type	Government Agency
Address	LANSING, MI 48910

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Jun 20, 2023
Property Address	1115 MILL ST, MIDLAND, MI 48640-5471
Document Number	01665/1112
Book / Page	1665 / 1112
Map Reference	LB A PG 31
Instrument Date	Jun 16, 2023
Transaction Type	Transfer
Record Updated	Jul 7, 2023
Title Company	DIVERSIFIED NATL TTL AGCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6024 EASTMAN AVE, MIDLAND, MI 48640-2518

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	375 E BEAVER RD, KAWKAWLIN, MI 48631-9781

Mortgage

Document Number	0016651113
Date	Jun 20, 2023
Instrument	1665/1113

Lender

Name	MICHIGAN MUTUAL INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

Mortgage

Document Number	01665/1114
Date	Jun 20, 2023
Book Page	1665/1114

Lender

Name	MICHIGAN MUTUAL INC
Type	Mortgage Company
Address	LANSING, MI 48912

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Apr 1, 2022
Property Address	1115 MILL ST, MIDLAND, MI 48640-5471
Document Number	01655/1044
Book / Page	1655 / 1044
Map Reference	LB A PG 31
Instrument Date	Mar 9, 2022
Transaction Type	Transfer
Record Updated	Jul 24, 2024
Title Company	DIVERSIFIED NATL TTL AGCY

Transaction

Amount	Amount Recorded
Tax	$600.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1115 W MAIN ST, MIDLAND, MI 48640

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6024 EASTMAN AVE, MIDLAND, MI 48640-2518
Investor	Possibly a Property Investor

Mortgage

Document Number	0001655163
Date	Apr 1, 2022
Instrument	1655/163

Lender

Name	FRANKENMUTH CU
Type	Credit Union

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	59 Months
Due	Mar 9, 2027

Mortgage

Document Number	001655/163
Date	Mar 14, 2022
Book Page	1655/163

Lender

Name	FRANKENMUTH CU
Type	Credit Union
Address	FRANKENMUTH, MI 48734

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Mar 9, 2027

Tax Assessment & Valuation

Source: Midland County assessment roll, as of August 4, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Midland County
Municipality	Midland City
Unified School District	Midland Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$80,100 (+24.38%)	$160,200 (+24.38%)
2025	$2,293.00 (+1.01%) Homeowner's exemption	$64,400 (+29.32%)	$128,800 (+29.32%)
2024	$2,270.00 (-1.73%)
2023		$49,800	$99,600
2022	$2,310.00

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

Source: FEMA National Flood Hazard Layer, effective February 3, 2014

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 400 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL in parts of the area	100 / 20

May also be available: Verizon.

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