2804 Camberley Ln, Midland, MI 48640 Property Records

Midland County property record for 2804 Camberley Ln, Midland, MI 48640

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,538 sqft · built 1978
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,475 (2025)
Deeds & Mortgages	Jan 2022 Line of Credit Sep 2021 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`14-05-60-260`

Property Details

APN / Parcel Number

Primary APN	`14-05-60-260`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,538 sqft Living Area
1st Floor Area	1,528 sqft
Basement Area	1,528 sqft
Unfinished Basement	1,528 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Ranch
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	134 ft deep x 85 ft wide
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2804 CAMBERLEY LN
City	MIDLAND
State	MI
Zip	48640-2402
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-2
Legal Description	LOT 22 LERNER SUB NO 2
Legal Subdivision	LERNER SUB
Legal Lot Number	22
Jurisdiction	MIDLAND MI
Township / Civil Division	MIDLAND
Census Block Group	3
Census Block	3013
Census Tract	291000

Owner

Source: Midland County records, as of August 4, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	2804 CAMBERLEY LN, MIDLAND, MI 48640-2402
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2022	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Sep 29, 2021	Deed of Trust, Mortgage THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Property Address	2804 CAMBERLEY LN, MIDLAND, MI 48640-2402
Transaction Type	Mortgage
Record Updated	Jan 27, 2022
Title Company	ABSTRACT TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2804 CAMBERLEY LN, MIDLAND, MI 48640-2402

Mortgage

Document Number	001653/406
Date	Jan 11, 2022
Book Page	1653/406

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Dec 21, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Property Address	2804 CAMBERLEY LN, MIDLAND, MI 48640-2402
Transaction Type	Mortgage
Record Updated	Oct 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2804 CAMBERLEY LN, MIDLAND, MI 48640-2402

Mortgage

Document Number	1650/214
Date	Sep 29, 2021
Book Page	1650/214

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

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		$115,800	$231,600
2025	$3,475.00

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 91% 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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