1601 State St, Midland, MI 48640 Property Records

Midland County property record for 1601 State St, Midland, MI 48640

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 792 sqft · built 1940
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$88,000 (Feb 2022)
Tax Bill	$2,166 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Feb 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-16-30-488`

Property Details

APN / Parcel Number

Primary APN	`14-16-30-488`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	792 sqft Living Area
1st Floor Area	792 sqft
Basement Area	792 sqft
Unfinished Basement	696 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	159 ft deep x 68 ft wide
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1601 STATE ST
City	MIDLAND
State	MI
Zip	48640-5292
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-4
Legal Description	LOT 73 HIGHLANDVIEW SUB
Legal Subdivision	HIGHLANDVIEW SUB
Legal Lot Number	73
Jurisdiction	MIDLAND MI
Township / Civil Division	MIDLAND
Census Block Group	4
Census Block	4002
Census Tract	290100

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	2 Individual Names on Record
Mailing Address	1601 STATE ST, MIDLAND, MI 48640-5292
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2026	Deed of Trust, Mortgage · Line of Credit MEMBERS FIRST CU
Feb 4, 2022	Warranty Deed, Transfer · Conventional Mortgage MEMBERS FIRST CU
Oct 1, 2020	Deed of Trust, Mortgage · FHA Mortgage U S DEPARTMENT OF HOUSING & URBAN DEVELO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 4, 2022 · Amount on Record
Deed Sale	Feb 4, 2022 · Amount on Record
Deed Book / Page	1653 / 1398
Prior Transfer Date	Sep 16, 2012
Prior Transfer Doc	01558/01215
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Property Address	1601 STATE ST, MIDLAND, MI 48640-5292
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1601 STATE ST, MIDLAND, MI 48640-5292

Mortgage

Document Number	2026R02168
Date	Mar 12, 2026
Instrument	2026R-02168

Lender

Name	MEMBERS FIRST CU
Type	Credit Union
Address	MIDLAND, MI 48641

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Mar 6, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Feb 4, 2022
Property Address	1601 STATE ST, MIDLAND, MI 48640-5292
Document Number	01653/1398
Book / Page	1653 / 1398
Map Reference	LB A PG 109
Instrument Date	Feb 2, 2022
Transaction Type	Transfer
Record Updated	Feb 14, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$660.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3516 N FORESTHILL DR, 3516, MIDLAND, MI 48642-9707

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1601 STATE ST, MIDLAND, MI 48640-5292

Mortgage

Document Number	0016531399
Date	Feb 4, 2022
Instrument	1653/1399

Lender

Name	MEMBERS FIRST CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Property Address	1601 STATE ST, MIDLAND, MI 48640-5292
Transaction Type	Mortgage
Record Updated	Oct 14, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1601 STATE ST, MIDLAND, MI 48640-5292

Mortgage

Document Number	1638/97
Date	Oct 1, 2020
Book Page	1638/97

Lender

Name	U S DEPARTMENT OF HOUSING & URBAN DEVELO
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	264 Months
Due	Oct 1, 2042

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		$73,200 (+12.44%)	$146,400 (+12.44%)
2025	$2,166.00 (+1.03%) Homeowner's exemption	$65,100	$130,200
2024	$2,144.00

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

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	Low lower than 99.1% of the US · lower than 98.4% 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 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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