1405 E Wheeler St, Midland, MI 48642 Property Records

Midland County property record for 1405 E Wheeler St, Midland, MI 48642

Property Summary

Property Type	Duplex
Details	2 bd · 2 ba · 1,626 sqft · built 2015
Lot Size	0.3 acres (13,068 sqft)
Owner	Company Name on File
Last Sale	$57,000 (Oct 2014)
Tax Bill	$5,256 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Apr 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-03-40-060`

Property Details

APN / Parcel Number

Primary APN	`14-03-40-060`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,626 sqft Total Area
1st Floor Area	1,626 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Duplex Single
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	82 ft deep x 80 ft wide
Garage Area	566 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1405 E WHEELER ST
City	MIDLAND
State	MI
Zip	48642-3304
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RB
Legal Description	BEG 330 FT E & 33 FT N OF SW COR OF SE 1/4 OF SE 1/4 OF SEC 3,N 231 FT,E 165 FT S 100 FT,W 85 FT,S 131 FT,W 80 FT
Jurisdiction	MIDLAND MI
Township / Civil Division	MIDLAND
Census Block Group	3
Census Block	3005
Census Tract	290902

Owner

1405 E Wheeler St, a duplex, is owned by a company that bought it in October 2014.

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

Owner of Record	Company Name on File
Mailing Address	925 E WHEELER ST, MIDLAND, MI 48642-3001
Owner Type	Company
Vesting	Company

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

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage HORIZON BANK
Apr 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage HORIZON BANK
Apr 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage HORIZON BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 22, 2014 · Amount on File
Deed Sale	Oct 22, 2014 · Amount on File
Deed Book / Page	1581 / 156
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Recording Date	Aug 20, 2026
Property Address	1405 E WHEELER ST, MIDLAND, MI 48642-3304
Document Number	0000008086
Instrument Date	Aug 19, 2026
Instrument	20268086
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	3600 CENTENNIAL DR, MIDLAND, MI 48642-6936

Mortgage

Document Number	0000008086,
Date	Aug 20, 2026
Instrument	20268086

Lender

Name	HORIZON BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	87 Months
Due	Nov 19, 2033

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Recording Date	Apr 8, 2026
Property Address	1405 E WHEELER ST, MIDLAND, MI 48642-3304
Document Number	0000003349
Book / Page	2026 / 3349
Instrument Date	Mar 27, 2026
Instrument	20263349
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	925 E WHEELER ST, MIDLAND, MI 48642-3001

Mortgage

Document Number	0000003349,
Date	Apr 8, 2026
Book Page	2026/3349
Instrument	20263349

Lender

Name	HORIZON BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	89 Months
Due	Sep 27, 2033

Interest

Rate Type	Adjustable Rate
Rate	5.98%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Recording Date	Apr 8, 2026
Property Address	1405 E WHEELER ST, MIDLAND, MI 48642-3304
Document Number	0000003347
Book / Page	2026 / 3347
Instrument Date	Mar 27, 2026
Instrument	20263347
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	925 E WHEELER ST, MIDLAND, MI 48642-3001

Mortgage

Document Number	0000003347,
Date	Apr 8, 2026
Book Page	2026/3347
Instrument	20263347

Lender

Name	HORIZON BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	89 Months
Due	Sep 27, 2033

Interest

Rate Type	Adjustable Rate
Rate	5.98%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 1405 E Wheeler St was $5,256, up 1.6% from the year before.

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		$134,700 (+6.57%)	$269,400 (+6.57%)
2025	$5,256.00 (+1.62%)	$126,400	$252,800
2024	$5,172.00

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

Flood

FEMA maps place 1405 E Wheeler St in Zone X, an area of minimal flood risk.

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	1 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.

Wildfire

Wildfire risk around 1405 E Wheeler St is low, with less than 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 93% of the US · lower than 83% 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.

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

Provider	Max Down / Up (Mbps)
Omni Fiber Fiber	10,000 / 10,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Ripple Fiber, T-Mobile.

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