1864 W Prairie Rd, Midland, MI 48640 Property Records

Midland County property record for 1864 W Prairie Rd, Midland, MI 48640

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,815 sqft
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,080 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit May 2020 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`100-016-300-150-00`

Property Details

APN / Parcel Number

Primary APN	`100-016-300-150-00`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,815 sqft Living Area
1st Floor Area	1,815 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Lot Area	435,600 sqft (10 acres)
Lot Width	330 ft Width
Garage Area	754 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1864 W PRAIRIE RD
City	MIDLAND
State	MI
Zip	48640-9065
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES-FA
Legal Description	SEC 16 T14N R1W W 330 FT OF SE 1/4 OF SW 1/4.
Legal Range	01W
Legal Township	14N
Legal Section	16
Jurisdiction	MIDLAND MI
Township / Civil Division	LEE
Census Block Group	2
Census Block	2004
Census Tract	291500

Owner

1864 W Prairie Rd is owned and occupied by two individuals who acquired it in August 2019.

Source: Midland County records, as of August 4, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	1864 W PRAIRIE RD, MIDLAND, MI 48640-9065
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2026	Deed of Trust, Mortgage · Line of Credit MERCANTILE BANK
May 1, 2020	Deed of Trust, Mortgage · Construction Mortgage MERCANTILE BANK OF MICHIGAN
May 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage MERCANTILE BANK OF MICHIGAN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 19, 2019
Transfer Doc	0162601157
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Recording Date	Sep 8, 2026
Property Address	1864 W PRAIRIE RD, MIDLAND, MI 48640-9065
Document Number	0000008619
Instrument Date	Sep 2, 2026
Instrument	20268619
Transaction Type	Mortgage
Record Updated	Sep 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1864 W PRAIRIE RD, MIDLAND, MI 48640-9065

Mortgage

Document Number	0000008619,
Date	Sep 8, 2026
Instrument	20268619

Lender

Name	MERCANTILE BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Sep 27, 2051

Interest

Max Rate	-1%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Property Address	1864 W PRAIRIE RD, MIDLAND, MI 48640-9065
Transaction Type	Mortgage
Record Updated	Jul 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001633/552
Date	May 1, 2020
Book Page	1633/552

Lender

Name	MERCANTILE BANK OF MICHIGAN
Type	Bank
Address	GRAND RAPIDS, MI 49504

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	May 1, 2023
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	7.5%
Index	1-Year LIBOR
Margin	2
Max Rate	10.5%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Property Address	1864 W PRAIRIE RD, MIDLAND, MI 48640-9065
Transaction Type	Mortgage
Record Updated	Jul 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1864W W PRAIRIE RD, MIDLAND, MI 48640-9065

Mortgage

Document Number	001646/113
Date	May 25, 2021
Book Page	1646/113

Lender

Name	MERCANTILE BANK OF MICHIGAN
Type	Bank
Address	GRAND RAPIDS, MI 49504

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 1864 W Prairie Rd was $5,080 with a homeowner's exemption.

Source: Midland County assessment roll, as of August 4, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Midland County
County Subdivision	Lee Township
Unified School District	Bullock Creek School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$206,600	$413,200
2025	$5,080.00
2023		$139,900	$279,800
2022	$4,530.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1864 W Prairie Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2000.

Source: FEMA National Flood Hazard Layer, effective February 3, 2014 · 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 Claims	1 (2000)
Most Recent Claim	Nov 2000 · rainfall accumulation

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

Wildfire risk around 1864 W Prairie Rd is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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