1531 E Chippewa River Rd, Midland, MI 48640 Property Records

Midland County property record for 1531 E Chippewa River Rd, Midland, MI 48640

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,008 sqft · built 1940
Lot Size	0.71 acres (30,928 sqft)
Owner	Individual Name on Record
Last Sale	$72,000 (Nov 2014)
Tax Bill	$1,464 (2025)
Deeds & Mortgages	Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`040-700-500-600-00`

Property Details

APN / Parcel Number

Primary APN	`040-700-500-600-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft
Basement Area	720 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Aluminum/Vinyl
Lot Area	30,928 sqft (0.71 acres)
Garage Area	330 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1531 E CHIPPEWA RIVER RD
City	MIDLAND
State	MI
Zip	48640-8393
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T14N R1E LOT 60 & 61 LYG S OF DICE DRAIN STARK'S SUB.
Legal Subdivision	LYG S OF DICE DRAIN STARKS SUB
Legal Lot Number	60-61
Jurisdiction	MIDLAND MI
Township / Civil Division	HOMER
Census Block Group	3
Census Block	3026
Census Tract	291200

Owner

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	Individual Name on Record
Mailing Address	1531 E CHIPPEWA RIVER RD, MIDLAND, MI 48640-8393
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 5, 2014 · Amount on Record
Deed Sale	Nov 5, 2014 · Amount on Record
Deed Book / Page	1581 / 742
Prior Transfer Date	Mar 1, 2013
Prior Transfer Doc	01563/01089
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Property Address	1531 E CHIPPEWA RIVER RD, MIDLAND, MI 48640-8393
Transaction Type	Mortgage
Record Updated	Jun 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1531 E CHIPPEWA RIVER RD, MIDLAND, MI 48640-8393

Mortgage

Document Number	1646/418
Date	Jun 1, 2021
Book Page	1646/418

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2036

Tax Assessment & Valuation

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		$60,600 (+2.19%)	$121,200 (+2.19%)
2025	$1,464.00 (+1.04%) Homeowner's exemption	$59,300	$118,600
2024	$1,449.00

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

Flood

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Low lower than 94% of the US · lower than 85% of Michigan
Wildfire Likelihood	Under 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	HOMER TOWNSHIP serves 3,097 people · EPA ID MI0003223
Water Source	Purchased surface water from CITY OF MIDLAND
Last State Inspection	Jun 2025
Lead	3 ppb (2023) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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