1385 E Isabella Rd, Midland, MI 48640 Property Records

Midland County property record for 1385 E Isabella Rd, Midland, MI 48640

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,580 sqft · built 1950
Lot Size	1.25 acres (54,450 sqft)
Owner	Individual Name on File
Last Sale	$96,900 (Jan 2021)
Tax Bill	$1,736 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Mar 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`040-014-400-230-00`

Property Details

APN / Parcel Number

Primary APN	`040-014-400-230-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,580 sqft Living Area
1st Floor Area	1,580 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Aluminum/Vinyl
Lot Area	54,450 sqft (1.25 acres)
Garage Area	384 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1385 E ISABELLA RD
City	MIDLAND
State	MI
Zip	48640-8316
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 14 T14N R1E COM AT SW COR OF SE 1/4 OF SE 1/4, TH N 660 FT, E 82.5 FT, S 660 FT, W 82.5 FT. EXC HWY ROW.
Legal Range	01E
Legal Township	14N
Legal Section	14
Jurisdiction	MIDLAND MI
Township / Civil Division	HOMER
Census Block Group	3
Census Block	3011
Census Tract	291200

Owner

1385 E Isabella Rd is owned and occupied by an individual who acquired it in February 2022.

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 File
Mailing Address	1385 E ISABELLA RD, MIDLAND, MI 48640-8316
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Mar 2, 2022	Intrafamily Transfer, Transfer
Jan 6, 2021	Warranty Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 6, 2021 · Amount on File
Deed Sale	Jan 6, 2021 · Amount on File
Prior Sale	Sep 14, 2015 · Amount on File
Deed Book / Page	1641 / 276
Last Transfer Date	Feb 24, 2022
Transfer Doc	001654/862
Record Updated	Sep 20, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Property Address	1385 E ISABELLA RD, MIDLAND, MI 48640-8316
Transaction Type	Mortgage
Record Updated	Jan 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1385 E ISABELLA RD, MIDLAND, MI 48640-8316

Mortgage

Document Number	001662/624
Date	Jan 9, 2023
Book Page	1662/624

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Dec 27, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MIDLAND MI
Recording Date	Mar 2, 2022
Property Address	1385 E ISABELLA RD, MIDLAND, MI 48640-8316
Document Number	001654/862
Book / Page	1654 / 862
Instrument Date	Feb 24, 2022
Transaction Type	Transfer
Record Updated	Mar 16, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2133 AVON ST, SAGINAW, MI 48602-3958

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Jan 6, 2021
Property Address	1385 E ISABELLA RD, MIDLAND, MI 48640-8316
Document Number	1641/276
Book / Page	1641 / 276
Instrument Date	Dec 30, 2020
Transaction Type	Transfer
Record Updated	May 18, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$727.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6242 MAPLE GROVE RD, 6242, LAKE, MI 48632-9707

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2133 AVON ST, SAGINAW, MI 48602-3958

Mortgage

Document Number	1641277
Date	Jan 6, 2021
Instrument	1641/277

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1385 E Isabella Rd was $1,736 with a homeowner's exemption, up 1.1% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Midland County
County Subdivision	Homer Township
Unified School District	Midland Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$82,700 (+3.5%)	$165,400 (+3.5%)
2025	$1,736.00 (+1.11%) Homeowner's exemption	$79,900	$159,800
2024	$1,717.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1385 E Isabella Rd in Zone X, an area of minimal flood risk, though there have been 19 flood claims nearby since 2004.

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
Flood Insurance Cost	Premium on File median of 16 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	19 (2004–2020)
Claims Outside the SFHA	4 of 19
Most Recent Claim	May 2020 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2020 · 16 claims

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.

Wildfire

Wildfire risk around 1385 E Isabella Rd is low, with a 0.01% annual chance of wildfire.

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.

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 84 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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