1603 W Union St, Midland, MI 48640 Property Records

Midland County property record for 1603 W Union St, Midland, MI 48640

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 820 sqft · built 1927
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on Record
Last Sale	$148,000 (Mar 2026)
Tax Bill	$3,649 (2025)
Deeds & Mortgages	Mar 2021 Line of Credit Feb 2021 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`14-16-60-632`

Property Details

APN / Parcel Number

Primary APN	`14-16-60-632`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	748 sqft Living Area
Gross Area	820 sqft
1st Floor Area	748 sqft
Basement Area	748 sqft
Unfinished Basement	820 sqft

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Architectural Style	Ranch
Lot Area	4,356 sqft (0.1 acres)
Lot Dimensions	100 ft deep x 45 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1603 W UNION ST
City	MIDLAND
State	MI
Zip	48640-4975
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-3
Legal Description	W 1/2 OF LOTS 1 & 2 BLK 4 RICHARDSON & MUSTARD ADD. EXC US-10 BR R/W.
Legal Subdivision	RICHARDSON & MUSTARD ADD
Legal Block	4
Legal Lot Number	1-2
Jurisdiction	MIDLAND MI
Township / Civil Division	MIDLAND
Census Block Group	2
Census Block	2028
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	Individual Name on Record
Mailing Address	576 W GORDONVILLE RD, MIDLAND, MI 48640-9150
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2021	Deed of Trust, Mortgage · Line of Credit MERCANTILE BANK OF MICHIGAN
Feb 17, 2021	Deed of Trust, Mortgage · Line of Credit MERCANTILE BANK OF MICHIGAN
Mar 27, 2026	Warranty Deed, Transfer · Conventional Mortgage LEGACY MORTGAGE
Jan 5, 2026	Warranty Deed, Transfer ISLAND TITLE AGENCY LLC, MIDLAND TITLE AGENCY LLC
Mar 2, 2021	Deed of Trust, Mortgage · Line of Credit MERCANTILE BANK OF MICHIGAN
Feb 17, 2021	Deed of Trust, Mortgage · Line of Credit MERCANTILE BANK OF MICHIGAN
Jul 19, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 27, 2026 · Amount on Record
Deed Sale	Mar 27, 2026 · Amount on Record
Prior Sale	Jan 5, 2026 · Amount on Record
Deed Document Number	20263056
Deed Book / Page	2026 / 3056
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Property Address	1603 W UNION ST, MIDLAND, MI 48640-4975
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6509 HOOVER RD, BEAVERTON, MI 48612-9602

Mortgage

Document Number	01642/1473
Date	Mar 2, 2021
Book Page	1642/1473

Lender

Name	MERCANTILE BANK OF MICHIGAN
Type	Bank
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Line of Credit
Amount	Amount Recorded

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Property Address	1603 W UNION ST, MIDLAND, MI 48640-4975
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6509 HOOVER RD, BEAVERTON, MI 48612-9602

Mortgage

Document Number	001642/831
Date	Feb 17, 2021
Book Page	1642/831

Lender

Name	MERCANTILE BANK OF MICHIGAN
Type	Bank
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Mar 27, 2026
Property Address	1603 W UNION ST, MIDLAND, MI 48640-4975
Document Number	2026R03056
Map Reference	LB A PG 12
Instrument Date	Mar 23, 2026
Instrument	2026R-03056
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	ISLAND TITLE AGENCY LLC, MIDLAND TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,110.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1603 W UNION ST, MIDLAND, MI 48640-4975

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	576 W GORDONVILLE RD, MIDLAND, MI 48640-9150

Mortgage

Document Number	2026R03018
Date	Mar 27, 2026
Instrument	2026R-03018

Lender

Name	LEGACY MORTGAGE
Type	Mortgage Company

Agreement

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

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Jan 5, 2026
Property Address	1603 W UNION ST, MIDLAND, MI 48640-4975
Document Number	2026R00073
Map Reference	LB A PG 12
Instrument Date	Dec 24, 2025
Instrument	2026R-00073
Transaction Type	Transfer
Record Updated	Jan 26, 2026
Title Company	ISLAND TITLE AGENCY LLC, MIDLAND TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Tax	$525.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6024 EASTMAN AVE, MIDLAND, MI 48640-2518

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6024 EASTMAN AVE, MIDLAND, MI 48640-2518

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Property Address	1603 W UNION ST, MIDLAND, MI 48640-4975
Transaction Type	Mortgage
Record Updated	Mar 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6509 HOOVER RD, BEAVERTON, MI 48612-9602

Mortgage

Document Number	1642/1473
Date	Mar 2, 2021
Book Page	1642/1473

Lender

Name	MERCANTILE BANK OF MICHIGAN
Type	Bank
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Line of Credit
Amount	Amount Recorded

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Property Address	1603 W UNION ST, MIDLAND, MI 48640-4975
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6509 HOOVER RD, BEAVERTON, MI 48612-9602

Mortgage

Document Number	1642/831
Date	Feb 17, 2021
Book Page	1642/831

Lender

Name	MERCANTILE BANK OF MICHIGAN
Type	Bank
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Jul 19, 2017
Property Address	1603 W UNION ST, MIDLAND, MI 48640-4975
Document Number	1607/1106
Book / Page	1607 / 1106
Map Reference	LB A PG 12
Instrument Date	Jul 18, 2017
Transaction Type	Transfer
Record Updated	May 18, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4844 FLAJOLE RD, 4844, MIDLAND, MI 48642-9248

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6509 HOOVER RD, BEAVERTON, MI 48612-9602

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		$74,300 (+17.38%)	$148,600 (+17.38%)
2025	$3,649.00 (+72.69%)	$63,300	$126,600
2024	$2,113.00

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 203 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 DSL	100 / 20

May also be available: Verizon.

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