Bay County property record for 2131 Carter Rd, Midland, MI 48642
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,512 sqft · built 1994 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $223,000 (Feb 2025) |
| Tax Bill | $1,667 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Aug 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 020-028-100-010-00 |
| Primary APN | 020-028-100-010-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,512 sqft Living Area |
| 1st Floor Area | 1,512 sqft |
| Basement Area | 936 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Ranch |
| Exterior Material | Wood Shingle |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 43,560 sqft (1 acres) |
| Lot Width | 121 ft Width |
| Porch | Slab |
| Utility Building | 840 sqft |
| Sauna | Sauna |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 2131 CARTER RD |
|---|---|
| City | MIDLAND |
| State | MI |
| Zip | 48642-9228 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COM AT SW COR OF N 1/2 OF NW 1/4 TH N 120 FT TH E 363 FT TH S 120 FT TH W 363 FT TO BEG. SEC 28 T15N R3E |
| Legal Range | 03E |
| Legal Township | 15N |
| Legal Section | 28 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BEAVER |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 286101 |
2131 Carter Rd is owned and occupied by two individuals who bought it in February 2025.
Source: Bay County records, as of May 18, 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 | 2131 CARTER RD, MIDLAND, MI 48642-9228 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 7, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Aug 5, 2020 | Warranty Deed, Transfer · Conventional with PMI UNITED HM MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 28, 2025 · Amount on File |
| Deed Sale | Feb 28, 2025 · Amount on File |
| Prior Sale | Aug 5, 2020 · Amount on File |
| Deed Document Number | 20252076 |
| Prior Transfer Date | Nov 13, 2014 |
| Prior Transfer Doc | 0030600717 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 2131 CARTER RD, MIDLAND, MI 48642-9228 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2022 |
| Title Company | DEVON TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 2131 CARTER RD, MIDLAND, MI 48642-9228 |
| Document Number | 0000017116 |
|---|---|
| Date | Oct 7, 2021 |
| Instrument | 202117116 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Aug 5, 2020 |
| Property Address | 2131 CARTER RD, MIDLAND, MI 48642-9228 |
| Document Number | 0000010687 |
| Instrument Date | Aug 4, 2020 |
| Instrument | 10687 |
| Transaction Type | Transfer |
| Record Updated | Feb 4, 2021 |
| Title Company | ATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,312.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1029 CRESTLAND DR MIDLAND MI 48642, MIDLAND, MI 48642 |
| Document Number | 10688 |
|---|---|
| Date | Aug 5, 2020 |
| Instrument | 10688 |
| Name | UNITED HM MTG |
|---|---|
| Type | Mortgage Company |
| Address | STRONGSVILLE, OH 44136 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 4, 2050 |
The 2025 property tax bill for 2131 Carter Rd was $1,667 with a homeowner's exemption.
Source: Bay County assessment roll, as of May 18, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Bay County |
| County Subdivision | Beaver Township |
| Unified School District | Bay City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | Homeowner's exemption | $102,400 (+15.06%) | $204,800 (+15.06%) |
| 2025 | $1,667.00 Homeowner's exemption | $89,000 | $178,000 |
| 2023 | $74,400 | $148,800 | |
| 2022 | $2,588.00 |
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.
FEMA maps place 2131 Carter Rd in Zone X, an area of minimal flood risk.
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.
The area around 2131 Carter Rd has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 25 / 3 |
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