2815 Gibson St, Midland, MI 48640 Property Records

Midland County property record for 2815 Gibson St, Midland, MI 48640

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,752 sqft · built 1976
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on Record
Tax Bill	$3,304 (2025)
Deeds & Mortgages	Jun 2021 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`14-05-50-228`

Property Details

APN / Parcel Number

Primary APN	`14-05-50-228`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,752 sqft Living Area
1st Floor Area	856 sqft
Basement Area	832 sqft
Unfinished Basement	856 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Lot Area	15,246 sqft (0.35 acres)
Lot Dimensions	191 ft deep x 80 ft wide
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2815 GIBSON ST
City	MIDLAND
State	MI
Zip	48640-2416
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-1
Legal Description	LOT 14 HEATON & NEMETH SUB
Legal Subdivision	HEATON & NEMETH SUB
Legal Lot Number	14
Jurisdiction	MIDLAND MI
Township / Civil Division	MIDLAND
Census Block Group	2
Census Block	2007
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	Individual Name on Record
Mailing Address	2815 GIBSON ST, MIDLAND, MI 48640-2416
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 28, 2021
Record Updated	Sep 20, 2026

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MIDLAND MI
Recording Date	Jun 7, 2021
Property Address	2815 GIBSON ST, MIDLAND, MI 48640-2416
Document Number	1646/791
Book / Page	1646 / 791
Map Reference	LB C PG 41
Instrument Date	May 28, 2021
Transaction Type	Transfer
Record Updated	Jun 23, 2021
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2815 GIBSON ST, MIDLAND, MI 48640-2416

Mortgage

Document Number	1646792
Date	Jun 7, 2021
Instrument	1646/792

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2036

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		$111,900	$223,800
2025	$3,304.00

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 51 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	51 in force
Nearby Flood Claims	92 (1986–2020)
Claims Outside the SFHA	15 of 92
Most Recent Claim	May 2020 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2020 · 75 claims Flooding, Apr 2013 · 2 claims Severe Storms & Flooding, Sep 1986 · 11 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 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 160 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T DSL	100 / 20

May also be available: T-Mobile, Verizon.

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