1983 E Penrod St, Midland, MI 48640 Property Records

Midland County property record for 1983 E Penrod St, Midland, MI 48640

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,338 sqft · built 1960
Lot Size	0.67 acres (29,185 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Aug 2025)
Tax Bill	$2,477 (2024)
Deeds & Mortgages	May 2026 Mortgage
Flood Zone	Zone AE (high risk)
APN	`13-13-20-100`

Property Details

APN / Parcel Number

Primary APN	`13-13-20-100`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,338 sqft Living Area
1st Floor Area	1,404 sqft
Basement Area	934 sqft
Unfinished Basement	934 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Lot Area	29,185 sqft (0.67 acres)
Lot Dimensions	324 ft deep x 90 ft wide
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1983 E PENROD ST
City	MIDLAND
State	MI
Zip	48640-4197
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-1
Legal Description	BEG 740 FT N & 123 FT W OF E 1/4 COR, TH N 321.5 FT, W 90 FT, S 324 FT, E 90 FT TO POB SEC 13 T14N R1E
Legal Range	01E
Legal Township	14N
Legal Section	13
Jurisdiction	MIDLAND MI
Township / Civil Division	MIDLAND
Census Block Group	3
Census Block	3047
Census Tract	291200

Owner

Source: Midland County records, as of June 11, 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	5401 NURMI DR, MIDLAND, MI 48640-3215
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 20, 2025 · Amount on File
Deed Sale	Aug 20, 2025 · Amount on File
Deed Document Number	20257445
Deed Book / Page	2025 / 7445
Prior Transfer Date	Jul 16, 2015
Prior Transfer Doc	1588/0956
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Recording Date	May 29, 2026
Property Address	1983 E PENROD ST, MIDLAND, MI 48640-4197
Document Number	0000005198
Book / Page	2026 / 5198
Instrument Date	May 20, 2026
Instrument	20265198
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1983 E PENROD ST, MIDLAND, MI 48640-4197

Mortgage

Document Number	0000005198,
Date	May 29, 2026
Book Page	2026/5198
Instrument	20265198

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.23%
Max Rate	-1%

Tax Assessment & Valuation

Source: Midland County assessment roll, as of July 29, 2025

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
2025		$105,600	$211,200
2024	$2,477.00

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 16 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	19 (2004–2020)
Claims Outside the SFHA	4 of 19
Most Recent Claim	May 2020 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2020 · 16 claims

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 93% of the US · lower than 83% of Michigan
Wildfire Likelihood	Under 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.

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20