1609 State St, Midland, MI 48640 Property Records

Midland County property record for 1609 State St, Midland, MI 48640

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,242 sqft · built 1945
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Company Names on Record
Last Sale	$123,000 (Oct 2020)
Tax Bill	$2,120 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Oct 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-16-30-492`

Property Details

APN / Parcel Number

Primary APN	`14-16-30-492`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,242 sqft Living Area
1st Floor Area	892 sqft
Basement Area	700 sqft
Unfinished Basement	700 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	110 ft deep x 70 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	1609 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 75 HIGHLANDVIEW SUB
Legal Subdivision	HIGHLANDVIEW SUB
Legal Lot Number	75
Jurisdiction	MIDLAND MI
Township / Civil Division	MIDLAND
Census Block Group	4
Census Block	4002
Census Tract	290100

Owner

Source: Midland County records, as of September 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	1609 STATE ST, MIDLAND, MI 48640-5292
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Oct 1, 2024	Deed of Trust, Mortgage · Line of Credit DOW CU
Jun 20, 2025	Intrafamily Transfer, Transfer
Oct 16, 2020	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2020 · Amount on Record
Deed Sale	Oct 16, 2020 · Amount on Record
Deed Book / Page	1638 / 858
Last Transfer Date	Jun 12, 2023
Transfer Doc	2025R05449
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Property Address	1609 STATE ST, MIDLAND, MI 48640-5292
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1609 STATE ST, MIDLAND, MI 48640-5292

Mortgage

Document Number	0001668/69
Date	Oct 5, 2023
Book Page	1668/69

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Sep 29, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Property Address	1609 STATE ST, MIDLAND, MI 48640-5292
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1609 STATE ST, MIDLAND, MI 48640-5292

Mortgage

Document Number	001675/636
Date	Oct 1, 2024
Book Page	1675/636

Lender

Name	DOW CU
Type	Credit Union
Address	MIDLAND, MI 48641

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 25, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MIDLAND MI
Recording Date	Jun 20, 2025
Property Address	1609 STATE ST, MIDLAND, MI 48640-5292
Document Number	2025R05449
Map Reference	LB A PG 109
Instrument Date	Jun 12, 2023
Instrument	2025R-05449
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1609 STATE ST, MIDLAND, MI 48640-5292

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Oct 16, 2020
Property Address	1609 STATE ST, MIDLAND, MI 48640-5292
Document Number	001638/858
Book / Page	1638 / 858
Map Reference	LB A PG 109
Instrument Date	Oct 14, 2020
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDILITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$922.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1609 STATE ST, MIDLAND, MI 48640-5292

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37 WAVERLY DR, ROSSVILLE, GA 30741-7017

Mortgage

Document Number	0001638859
Date	Oct 16, 2020
Instrument	1638/859

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

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		$82,600 (+11.62%)	$165,200 (+11.62%)
2025	$2,120.00 (+1%) Homeowner's exemption	$74,000	$148,000
2024	$2,099.00

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.

Nearby Properties on State St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures