2313 Luhring St, Midland, MI 48640 Property Records

Midland County property record for 2313 Luhring St, Midland, MI 48640

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,080 sqft · built 1964
Lot Size	0.29 acres (12,632 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Sep 2026)
Tax Bill	$2,689 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-05-40-076`

Property Details

APN / Parcel Number

Primary APN	`14-05-40-076`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,080 sqft Living Area
1st Floor Area	1,080 sqft
Basement Area	1,080 sqft
Unfinished Basement	1,080 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Ranch
Lot Area	12,632 sqft (0.29 acres)
Lot Dimensions	143 ft deep x 90 ft wide
Garage Area	648 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2313 LUHRING ST
City	MIDLAND
State	MI
Zip	48640-2527
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-1
Legal Description	BEG 100 FT W OF NW COR LOT 33 CAMPAU SUB SEC 5, W 90 FT, S 143 FT, E 90 FT, N 143 FT TO BEG
Legal Subdivision	CAMPAU SUB
Legal Lot Number	33
Jurisdiction	MIDLAND MI
Township / Civil Division	MIDLAND
Census Block Group	3
Census Block	3021
Census Tract	291000

Owner

2313 Luhring St is owned and occupied by an individual who bought it in September 2026.

Source: Midland County records, as of September 22, 2026

Owner of Record	Individual Name on File
Mailing Address	5407 STURGEON CREEK PKWY, MIDLAND, MI 48640-2259
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2026	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE
Oct 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage 1ST STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2026 · Amount on File
Deed Sale	Sep 8, 2026 · Amount on File
Prior Sale	Jul 29, 2015 · Amount on File
Deed Document Number	20268635
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Sep 8, 2026
Property Address	2313 LUHRING ST, MIDLAND, MI 48640-2527
Document Number	0000008635
Instrument Date	Sep 4, 2026
Instrument	20268635
Transaction Type	Transfer
Record Updated	Sep 22, 2026
Title Company	MIDLAND TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$189,375.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5407 STURGEON CREEK PKWY, MIDLAND, MI 48640-2259

Mortgage

Document Number	0000008666,
Date	Sep 8, 2026
Instrument	20268666

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Property Address	2313 LUHRING ST, MIDLAND, MI 48640-2527
Transaction Type	Mortgage
Record Updated	Oct 28, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2313 LUHRING ST, MIDLAND, MI 48640-2527

Mortgage

Document Number	1638/560
Date	Oct 13, 2020
Book Page	1638/560

Lender

Name	1ST STATE BANK
Type	Bank
Address	49605

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2313 Luhring St was $2,689 with a homeowner's exemption.

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

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
2026		$95,000	$190,000
2025	$2,689.00

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

FEMA maps place 2313 Luhring St in Zone X, an area of minimal flood risk, though there have been 30 flood claims nearby since 1986.

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
Flood Insurance Cost	Premium on File median of 17 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	30 (1986–2020)
Claims Outside the SFHA	4 of 30
Most Recent Claim	May 2020 · river or lake flooding
Claims by Event	Severe Storms And Flooding, May 2020 · 22 claims Severe Storms & Flooding, Sep 1986 · 6 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

Wildfire risk around 2313 Luhring St is low, with less than 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 97% of the US · lower than 93% 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.

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile.

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