1806 Carter Rd, Midland, MI 48642 Property Records

Bay County property record for 1806 Carter Rd, Midland, MI 48642

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,900 sqft · built 2007
Lot Size	1.32 acres (57,499 sqft)
Owner	2 Individual Names on Record
Last Sale	$103,000 (Jan 2007)
Tax Bill	$1,020 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Apr 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`020-020-400-010-00`

Property Details

APN / Parcel Number

Primary APN	`020-020-400-010-00`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,900 sqft Living Area
1st Floor Area	1,152 sqft
Basement Area	1,152 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Ranch
Exterior Material	Wood Shingle
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	57,499 sqft (1.32 acres)
Lot Dimensions	160 ft deep x 180 ft wide
Garage Type	Attached
Garage Area	594 sqft
Parking Spaces	2 Parking Spaces
Sauna	Sauna

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	1806 CARTER RD
City	MIDLAND
State	MI
Zip	48642-9272
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 180 FT OF N 658 FT OF E 320 FT OF N 1/2 OF SE 1/4 SEC 20 T15N R3E 74
Legal Range	03E
Legal Township	15N
Legal Section	20
Legal Subdivision	STONE RIDGE SOUTH #2
Jurisdiction	BAY MI
Township / Civil Division	BEAVER
Census Block Group	2
Census Block	2022
Census Tract	286101

Owner

Source: Bay County records, as of May 18, 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	1806 CARTER RD, MIDLAND, MI 48642-9272
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2021	Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE
Apr 21, 2020	Loan Modification, Mortgage · Conventional with PMI MIDFIRST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 19, 2007 · Amount on Record
Deed Sale	Jan 19, 2007 · Amount on Record
Prior Sale	Feb 14, 2002 · Amount on Record
Deed Book / Page	2502 / 866
Prior Transfer Date	Jan 5, 2004
Prior Transfer Doc	0021660591
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	1806 CARTER RD, MIDLAND, MI 48642-9272
Transaction Type	Mortgage
Record Updated	Oct 20, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1806 CARTER RD, MIDLAND, MI 48642-9272

Mortgage

Document Number	202112571
Date	Jul 20, 2021
Instrument	202112571

Lender

Name	MIDLAND MORTGAGE
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	346 Months
Due	May 1, 2050

April 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY MI
Property Address	1806 CARTER RD, MIDLAND, MI 48642-9272
Document Number	0000006547
Instrument Date	Apr 21, 2020
Transaction Type	Mortgage
Record Updated	Sep 22, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1806 CARTER RD MIDLAND MI 486429272, MIDLAND, MI 48642-9272

Mortgage

Document Number	0000006547
Date	May 18, 2020
Instrument	6547

Lender

Name	MIDFIRST BK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 17, 2050

Interest

Rate Type	Fixed Rate
Rate	3.75%

Tax Assessment & Valuation

Source: Bay County assessment roll, as of May 18, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Bay County
County Subdivision	Beaver Township
Unified School District	Bay City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	Homeowner's exemption	$74,500 (+13.74%)	$149,000 (+13.74%)
2025	$1,020.00 (-39.72%) Homeowner's exemption	$65,500 (+20.18%)	$131,000 (+20.18%)
2023		$54,500	$109,000
2022	$1,692.00

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 17, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless	25 / 3

May also be available: T-Mobile.

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