1991 W Chippewa Ln, Midland, MI 48640 Property Records

Midland County property record for 1991 W Chippewa Ln, Midland, MI 48640

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,874 sqft · built 1949
Lot Size	1.36 acres (59,242 sqft)
Owner	Company Name on Record
Tax Bill	$1,976 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Jul 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`040-024-100-111-00`

Property Details

APN / Parcel Number

Primary APN	`040-024-100-111-00`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,874 sqft Living Area
1st Floor Area	1,874 sqft
Basement Area	1,392 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Lot Area	59,242 sqft (1.36 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1991 W CHIPPEWA LN
City	MIDLAND
State	MI
Zip	48640-4117
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 24 T14N R1E COM 543 FT S OF NE SEC COR, TH W 330 FT, S 183 FT, E 165 FT, S 23 FT, NE 175.71 FT, N 144.19 FT.
Legal Range	01E
Legal Township	14N
Legal Section	24
Jurisdiction	MIDLAND MI
Township / Civil Division	HOMER
Census Block Group	3
Census Block	3038
Census Tract	291200

Owner

Source: Midland County records, as of August 18, 2026

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

Owner of Record	Company Name on Record
Mailing Address	1991 E CHIPPEWA LN, MIDLAND, MI 48640
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2026	Deed of Trust, Mortgage · Line of Credit MERCANTILE BANK
Jul 13, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage DOW CHEMICAL EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 26, 2009
Deed Sale	Feb 26, 2009
Last Transfer Date	Jul 1, 2020
Transfer Doc	1635/449
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Recording Date	Aug 7, 2026
Property Address	1991 W CHIPPEWA LN, MIDLAND, MI 48640-4117
Document Number	0000007656
Instrument Date	Aug 3, 2026
Instrument	20267656
Transaction Type	Mortgage
Record Updated	Aug 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust, 212
Address	1991 W CHIPPEWA LN, MIDLAND, MI 48640-4117

Mortgage

Document Number	0000007656,
Date	Aug 7, 2026
Instrument	20267656

Lender

Name	MERCANTILE BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 27, 2051

Interest

Rate	6.43%
Max Rate	-1%

July 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MIDLAND MI
Recording Date	Jul 13, 2020
Property Address	1991 W CHIPPEWA LN, MIDLAND, MI 48640-4117
Document Number	1635/449
Book / Page	1635 / 449
Instrument Date	Jul 1, 2020
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	388 E GORDONVILLE RD, 388, MIDLAND, MI 48640-8384

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1991 W CHIPPEWA LN, MIDLAND, MI 48640-4117

Mortgage

Document Number	1635451
Date	Jul 13, 2020
Instrument	1635/451

Lender

Name	DOW CHEMICAL EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2040

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Midland County
County Subdivision	Homer Township
Unified School District	Midland Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$84,700 (+3.8%)	$169,400 (+3.8%)
2025	$1,976.00 (+1.02%) Homeowner's exemption	$81,600	$163,200
2024	$1,956.00

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 · 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	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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 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.

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

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

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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