1604 W Union St, Midland, MI 48640 Property Records

Midland County property record for 1604 W Union St, Midland, MI 48640

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1925
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$151,500 (Dec 2023)
Tax Bill	$1,509 (2022)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Nov 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-16-60-646`

Property Details

APN / Parcel Number

Primary APN	`14-16-60-646`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	960 sqft Living Area
Basement Area	960 sqft

Exterior

Year Built	Built 1925
Lot Area	6,098 sqft (0.139 acres)
Lot Dimensions	126 ft deep x 47 ft wide
Garage Area	192 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	141660646
Street Address	1604 W UNION ST
City	MIDLAND
State	MI
Zip	48640-4980
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA3
Legal Description	W 47 FT OF LOTS 3 & 4 BLK1 RICHARDSON & MUSTARD ADD.
Legal Subdivision	RICHARDSON & MUSTARD ADD
Legal Block	1
Legal Lot Number	3-4
Jurisdiction	MIDLAND MI
Township / Civil Division	MIDLAND
Census Block Group	2
Census Block	2024
Census Tract	290100

Owner

Source: Midland County records, as of January 23, 2024

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	1217 LOVE ST, MIDLAND, MI 48642-6137
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2023	Warranty Deed, Transfer · Conventional Mortgage STAUNTON FINANCIAL INC
Nov 10, 2022	Warranty Deed, Transfer
Aug 13, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 27, 2023 · Amount on Record
Deed Sale	Dec 27, 2023 · Amount on Record
Prior Sale	Nov 10, 2022 · Amount on Record
Deed Document Number	0001669858
Deed Book / Page	1669 / 858
Record Updated	Jun 7, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Dec 27, 2023
Property Address	1604 W UNION ST, MIDLAND, MI 48640-4980
Document Number	001669/858
Book / Page	1669 / 858
Map Reference	LB A PG 12
Instrument Date	Dec 21, 2023
Transaction Type	Transfer
Record Updated	Jan 24, 2024
Title Company	CBP TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,136.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5965 BROOKSTONE CT, WEST BLOOMFIELD, MI 48322-1485

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1217 LOVE ST, MIDLAND, MI 48642-6137

Mortgage

Document Number	0001669859
Date	Dec 27, 2023
Instrument	1669/859

Lender

Name	STAUNTON FINANCIAL INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

Mortgage

Document Number	001669/860
Date	Dec 27, 2023
Book Page	1669/860

Lender

Name	MICHIGAN STATE HOUSING DEV AUTHORITY
Type	Government Agency
Address	LANSING, MI 48912

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Nov 10, 2022
Property Address	1604 W UNION ST, MIDLAND, MI 48640-4980
Document Number	001661/499
Book / Page	1661 / 499
Map Reference	LB A PG 12
Instrument Date	Nov 8, 2022
Transaction Type	Transfer
Record Updated	Nov 22, 2022

Transaction

Amount	Amount Recorded
Tax	$1,050.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1595 S POSEYVILLE RD, 1595, MIDLAND, MI 48640-8549

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5965 BROOKSTONE CT, WEST BLOOMFIELD, MI 48322-1485

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MIDLAND MI
Recording Date	Aug 13, 2021
Property Address	1604 W UNION ST, MIDLAND, MI 48640-4980
Document Number	01648/1128
Book / Page	1648 / 1128
Instrument Date	Aug 13, 2021
Transaction Type	Transfer
Record Updated	Dec 27, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	220 W ELLSWORTH ST, 220, MIDLAND, MI 48640-5180

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1595 S POSEYVILLE RD, MIDLAND, MI 48640-8549

Tax Assessment & Valuation

Source: Midland County assessment roll, as of March 1, 2023

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
2023		$48,800	$97,600
2022	$1,509.00

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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