1315 Mill St, Midland, MI 48640 Property Records

Midland County property record for 1315 Mill St, Midland, MI 48640

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,222 sqft · built 1939
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$195,000 (Jan 2026)
Tax Bill	$2,296 (2024)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-16-40-282`

Property Details

APN / Parcel Number

Primary APN	`14-16-40-282`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,222 sqft Living Area
Basement Area	832 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	120 ft deep x 66 ft wide
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	141640282
Street Address	1315 MILL ST
City	MIDLAND
State	MI
Zip	48640-5800
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-4
Legal Description	LOT 18 BLK 3 DOW CHEM CO ADD.
Legal Subdivision	DOW CHEM CO ADD
Legal Block	3
Legal Lot Number	18
Jurisdiction	MIDLAND MI
Township / Civil Division	MIDLAND
Census Block Group	4
Census Block	4004
Census Tract	290100

Owner

Source: Midland County records, as of February 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2605 GREENWICH CIR, MIDLAND, MI 48642-5254
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 25, 2021	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 21, 2026 · Amount on Record
Deed Sale	Jan 21, 2026 · Amount on Record
Prior Sale	Aug 25, 2021 · Amount on Record
Deed Document Number	2026R-00625
Record Updated	Jun 8, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Jan 21, 2026
Property Address	1315 MILL ST, MIDLAND, MI 48640-5800
Document Number	2026R00625
Map Reference	LB A PG 31
Instrument Date	Jan 16, 2026
Instrument	2026R-00625
Transaction Type	Transfer
Record Updated	Feb 10, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,462.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1315 MILL ST, MIDLAND, MI 48640-5800

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2605 GREENWICH CIR, MIDLAND, MI 48642-5254

Mortgage

Document Number	2026R00626
Date	Jan 21, 2026
Instrument	2026R-00626

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Aug 25, 2021
Property Address	1315 MILL ST, MIDLAND, MI 48640-5800
Document Number	1649/127
Book / Page	1649 / 127
Map Reference	LB A PG 31
Instrument Date	Aug 23, 2021
Transaction Type	Transfer
Record Updated	Sep 8, 2021
Title Company	PARKS TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,162.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2028 180TH CT NE, 2028, REDMOND, WA 98052-6033

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 WILDES ST, MIDLAND, MI 48640-4174

Mortgage

Document Number	1649128
Date	Aug 25, 2021
Instrument	1649/128

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

Source: Midland County assessment roll, as of March 1, 2025

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
2025		$78,400	$156,800
2024	$2,296.00

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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