320 Harper Ln, Midland, MI 48640 Property Records

Midland County property record for 320 Harper Ln, Midland, MI 48640

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,160 sqft · built 1957
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$187,000 (Mar 2023)
Tax Bill	$3,536 (2024)
Deeds & Mortgages	Jul 2023 Transfer May 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`14-04-40-522`

Property Details

APN / Parcel Number

Primary APN	`14-04-40-522`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,160 sqft Living Area
1st Floor Area	1,160 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Ranch
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	85 ft deep x 100 ft wide
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	320 HARPER LN
City	MIDLAND
State	MI
Zip	48640-7320
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-1
Legal Description	LOT 10 HARPER SUB
Legal Subdivision	HARPER SUB
Legal Lot Number	10
Jurisdiction	MIDLAND MI
Township / Civil Division	MIDLAND
Census Block Group	2
Census Block	2000
Census Tract	290901

Owner

Source: Midland County records, as of March 9, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	320 HARPER LN, MIDLAND, MI 48640-7320
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2023	Intrafamily Transfer, Transfer
May 17, 2023	Deed of Trust, Mortgage · Conventional Mortgage ISABELLA BANK
Mar 9, 2023	Warranty Deed, Transfer
Nov 19, 2021	Warranty Deed, Transfer
May 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage DOW CHEMICAL EMPLOYEES CU
Aug 7, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 9, 2023 · Amount on Record
Deed Sale	Mar 9, 2023 · Amount on Record
Prior Sale	Nov 19, 2021 · Amount on Record
Deed Book / Page	1663 / 627
Last Transfer Date	Jul 11, 2023
Transfer Doc	001666/337
Record Updated	Jun 8, 2026

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MIDLAND MI
Recording Date	Jul 13, 2023
Property Address	320 HARPER LN, MIDLAND, MI 48640-7320
Document Number	001666/337
Book / Page	1666 / 337
Map Reference	LB C PG 26
Instrument Date	Jul 11, 2023
Transaction Type	Transfer
Record Updated	Aug 1, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	320 HARPER LN, MIDLAND, MI 48640-7320

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 HARPER LN, MIDLAND, MI 48640-7320

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Property Address	320 HARPER LN, MIDLAND, MI 48640-7320
Transaction Type	Mortgage
Record Updated	Jun 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 HARPER LN, MIDLAND, MI 48640-7320

Mortgage

Document Number	0001665/21
Date	May 17, 2023
Book Page	1665/21

Lender

Name	ISABELLA BANK
Type	Bank
Address	MOUNT PLEASANT, MI 48858

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2038

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Mar 9, 2023
Property Address	320 HARPER LN, MIDLAND, MI 48640-7320
Document Number	001663/627
Book / Page	1663 / 627
Map Reference	LB C PG 26
Instrument Date	Mar 3, 2023
Transaction Type	Transfer
Record Updated	Mar 28, 2023

Transaction

Amount	Amount Recorded
Tax	$1,402.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	320 HARPER LN, MIDLAND, MI 48640-7320

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2457 S HARBOR DR APT A1, A1, BAY CITY, MI 48706-9013

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Nov 19, 2021
Property Address	320 HARPER LN, MIDLAND, MI 48640-7320
Document Number	01651/1292
Book / Page	1651 / 1292
Map Reference	LB C PG 26
Instrument Date	Nov 16, 2021
Transaction Type	Transfer
Record Updated	Dec 15, 2021

Transaction

Amount	Amount Recorded
Tax	$1,117.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	320 HARPER LN, 320, MIDLAND, MI 48640-7320

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3955 52ND AVE N, SAINT PETERSBURG, FL 33714-2336

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Property Address	320 HARPER LN, MIDLAND, MI 48640-7320
Transaction Type	Mortgage
Record Updated	Jun 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 HARPER LN, MIDLAND, MI 48640-7320

Mortgage

Document Number	1646/97
Date	May 25, 2021
Book Page	1646/97

Lender

Name	DOW CHEMICAL EMPLOYEES CU
Type	Credit Union
Address	MIDLAND, MI 48641

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Aug 7, 2018
Property Address	320 HARPER LN, MIDLAND, MI 48640-7320
Document Number	1617/0831
Book / Page	1617 / 0831
Instrument Date	Aug 6, 2018
Transaction Type	Transfer
Record Updated	May 18, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	320 HARPER LN, 320, MIDLAND, MI 48640-7320

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2508 ABBOTT RD, MIDLAND, MI 48642-5220

Tax Assessment & Valuation

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

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
2025		$93,100 (+19.67%)	$186,200 (+19.67%)
2024	$3,536.00 (+54.48%)
2023		$77,800	$155,600
2022	$2,289.00

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

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	4 in force
Nearby Flood Claims	3 (2017)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Jun 2017 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2017 · 3 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 366 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
AT&T DSL	100 / 20

May also be available: Omni Fiber, Ripple Fiber, T-Mobile.

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