309 Rowe Ct, Midland, MI 48640 Property Records

Midland County property record for 309 Rowe Ct, Midland, MI 48640

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,674 sqft · built 1957
Lot Size	0.95 acres (41,382 sqft)
Owner	2 Individual Names on Record
Last Sale	$240,000 (Jan 2023)
Tax Bill	$4,394 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Jan 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`14-19-80-066`

Property Details

APN / Parcel Number

Primary APN	`14-19-80-066`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,674 sqft Living Area
1st Floor Area	1,674 sqft
Basement Area	1,674 sqft
Unfinished Basement	1,674 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Ranch
Lot Area	41,382 sqft (0.95 acres)
Lot Dimensions	250 ft deep x 165 ft wide
Garage Area	1,376 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	309 ROWE CT
City	MIDLAND
State	MI
Zip	48640-6401
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-1
Legal Description	LOT 19 CHIP RIV ASSRS PLAT & BEG AT NW COR OF SD LOT, N TO A PT 10 FT N OF SW COR OF LOT 11 E 109.20 FT TO ROW LN OF ROWE CT
Legal Subdivision	CHIPPEWA RIVERS ASSESSORS
Legal Lot Number	11,19
Jurisdiction	MIDLAND MI
Township / Civil Division	MIDLAND
Census Block Group	2
Census Block	2014
Census Tract	290400

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	309 ROWE CT, MIDLAND, MI 48640-6401
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2023	Deed of Trust, Mortgage · Line of Credit 1ST STATE BANK
Jan 3, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2023 · Amount on Record
Deed Sale	Jan 3, 2023 · Amount on Record
Deed Book / Page	1662 / 450
Record Updated	Sep 20, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Property Address	309 ROWE CT, MIDLAND, MI 48640-6401
Transaction Type	Mortgage
Record Updated	Feb 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 ROWE CT, MIDLAND, MI 48640-6401

Mortgage

Document Number	01662/1310
Date	Feb 7, 2023
Book Page	1662/1310

Lender

Name	1ST STATE BANK
Type	Bank
Address	SAGINAW, MI 48605

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Jan 3, 2023
Property Address	309 ROWE CT, MIDLAND, MI 48640-6401
Document Number	001662/450
Book / Page	1662 / 450
Map Reference	LB E PG 15
Instrument Date	Dec 28, 2022
Transaction Type	Transfer
Record Updated	Jan 23, 2023

Transaction

Amount	Amount Recorded
Tax	$1,800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2700 BELLEFONTAINE ST # STB8, STB8, HOUSTON, TX 77025-1668

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4611 N KEEN CT, MIDLAND, MI 48642-7384

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		$168,300	$336,600
2025	$4,394.00

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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 31 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	31 in force
Nearby Flood Claims	57 (1986–2020)
Claims Outside the SFHA	9 of 57
Most Recent Claim	May 2020 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2020 · 42 claims Flooding, Apr 2013 · 2 claims Severe Storms & Flooding, Sep 1986 · 9 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	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 230 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile.

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