2365 E Caruso Ct, Midland, MI 48640 Property Records

Midland County property record for 2365 E Caruso Ct, Midland, MI 48640

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,887 sqft · built 1987
Lot Size	1.17 acres (50,965 sqft)
Owner	2 Trust Names on File
Last Sale	$262,000 (Feb 2023)
Tax Bill	$4,176 (2024)
Deeds & Mortgages	Nov 2025 Transfer Feb 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`120-030-100-114-00`

Property Details

APN / Parcel Number

Primary APN	`120-030-100-114-00`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,887 sqft Living Area
1st Floor Area	1,887 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Ranch
Lot Area	50,965 sqft (1.17 acres)
Lot Dimensions	148 ft deep x 310 ft wide
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	2365 E CARUSO CT
City	MIDLAND
State	MI
Zip	48640-8905
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	SEC 30 T14N R2E COM 818.62 FT S & 388.03 FT E OF N 1/4 COR, TH E 155.01 FT, S 330.4 FT, W 155 FT, N 329.09 FT. EXC RD ROW.
Legal Range	02E
Legal Township	14N
Legal Section	30
Jurisdiction	MIDLAND MI
Township / Civil Division	MIDLAND
Census Block Group	1
Census Block	1037
Census Tract	290500

Owner

2365 E Caruso Ct is owner-occupied and held in a trust since April 2025.

Source: Midland County records, as of November 17, 2025

Owner of Record	2 Trust Names on File
Mailing Address	2365 E CARUSO CT, MIDLAND, MI 48640-8905
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Nov 3, 2025	Intrafamily Transfer, Transfer
Feb 8, 2023	Warranty Deed, Transfer · VA Mortgage USAA FSB
Jul 20, 2021	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 8, 2023 · Amount on File
Deed Sale	Feb 8, 2023 · Amount on File
Prior Sale	Jul 20, 2021 · Amount on File
Deed Book / Page	1662 / 1336
Last Transfer Date	Apr 15, 2025
Transfer Doc	2025R09780
Record Updated	Jun 8, 2026

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MIDLAND MI
Recording Date	Nov 3, 2025
Property Address	2365 E CARUSO CT, MIDLAND, MI 48640-8905
Document Number	2025R09780
Instrument Date	Apr 15, 2025
Instrument	2025R-09780
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2365 E CARUSO CT, MIDLAND, MI 48640-8905

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2365 E CARUSO CT, MIDLAND, MI 48640-8905

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Feb 8, 2023
Property Address	2365 E CARUSO CT, MIDLAND, MI 48640-8905
Document Number	01662/1336
Book / Page	1662 / 1336
Instrument Date	Jan 30, 2023
Transaction Type	Transfer
Record Updated	Feb 21, 2023
Title Company	CROSSROADS TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,965.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2365 E CARUSO CT, MIDLAND, MI 48640-8905

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5310 ISABELLA ST, MIDLAND, MI 48640-8023

Mortgage

Document Number	0016621337
Date	Feb 8, 2023
Instrument	1662/1337

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2053

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Jul 20, 2021
Property Address	2365 E CARUSO CT, MIDLAND, MI 48640-8905
Document Number	1647/1359
Book / Page	1647 / 1359
Instrument Date	Jul 12, 2021
Transaction Type	Transfer
Record Updated	Aug 4, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2365 E CARUSO CT, 2365, MIDLAND, MI 48640-8905

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2385 E CARUSO CT, MIDLAND, MI 48640-8905

Mortgage

Document Number	16471360
Date	Jul 20, 2021
Instrument	1647/1360

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$130,000	$260,000
2024	$4,176.00

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 2365 E Caruso Ct in Zone X, an area of minimal flood risk, though there have been 48 flood claims nearby since 1982.

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	48 (1982–2020)
Claims Outside the SFHA	4 of 48
Most Recent Claim	May 2020 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2020 · 7 claims Flooding, Apr 2013 · 3 claims Severe Storms & Flooding, Sep 1986 · 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

Wildfire risk around 2365 E Caruso Ct 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.

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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