3205 Gibson St, Midland, MI 48640 Property Records

Midland County property record for 3205 Gibson St, Midland, MI 48640 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,388 sqft · built 1952
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on File
Last Sale	$197,000 (Aug 2021)
Tax Bill	$4,365 (2024)
Deeds & Mortgages	Mar 2021 Mortgage Aug 2021 Sale + 4 more
Flood Zone	Zone AE (high risk)
APN	`14-05-50-418`

Property Details

APN / Parcel Number

Primary APN	`14-05-50-418`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,388 sqft Living Area
1st Floor Area	2,000 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Lot Area	14,375 sqft (0.33 acres)
Lot Dimensions	144 ft deep x 101 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	3205 GIBSON ST
City	MIDLAND
State	MI
Zip	48640-2417
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 35 MARDENS PLAT
Legal Subdivision	MARDENS PLAT
Legal Lot Number	35
Jurisdiction	MIDLAND MI
Township / Civil Division	MIDLAND
Census Block Group	2
Census Block	2006
Census Tract	291000

Owner

Source: Midland County records · APN 14-05-50-418

Assessment roll updated July 29, 2025 · Last verified July 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 File
Mailing Address	3205 GIBSON ST, MIDLAND, MI 48640-2417
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2021	Deed of Trust, Mortgage FRASER W COLLINS ETUL
Aug 18, 2021	Warranty Deed, Transfer
Mar 18, 2021	Quit Claim Deed, Transfer FRASER W COLLINS ETUL
Oct 19, 2020	Deed of Trust, Mortgage · Construction Mortgage FINANCE OF AMERICA COMMERCIAL
Dec 02, 2020	Intrafamily Transfer, Transfer
Sep 11, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 18, 2021 · Amount on Record
Deed Sale	Aug 18, 2021 · Amount on Record
Prior Sale	Sep 11, 2020 · Amount on Record
Deed Book / Page	1648 / 1330
Prior Transfer Date	Mar 14, 2021
Prior Transfer Doc	1643/1090
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Property Address	3205 GIBSON ST, MIDLAND, MI 48640-2417
Transaction Type	Mortgage
Record Updated	Jun 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5900 SUMMERSET DR, MIDLAND, MI 48640-2948

Mortgage

Document Number	01643/1091
Date	Mar 18, 2021
Book Page	1643/1091

Lender

Name	FRASER W COLLINS ETUL
Type	Private Party
Address	7866 S HILL DR, LITTLETON, CO 80120

Agreement

Amount	Amount Recorded
Term	24 Months
Due	Mar 14, 2023

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Aug 18, 2021
Property Address	3205 GIBSON ST, MIDLAND, MI 48640-2417
Document Number	1648/1330
Book / Page	1648 / 1330
Map Reference	LB C PG 20
Instrument Date	Aug 13, 2021
Transaction Type	Transfer
Record Updated	Sep 01, 2021

Transaction

Amount	Amount Recorded
Tax	$1,477.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5900 SUMMERSET DR, 5900, MIDLAND, MI 48640-2948

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3205 GIBSON ST, MIDLAND, MI 48640-2417

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MIDLAND MI
Recording Date	Mar 18, 2021
Property Address	3205 GIBSON ST, MIDLAND, MI 48640-2417
Document Number	1643/1090
Book / Page	1643 / 1090
Map Reference	LB C PG 20
Instrument Date	Mar 14, 2021
Transaction Type	Transfer
Record Updated	May 18, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1000 ALLISON DR APT 51, 1000, VACAVILLE, CA 95687-4980

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 17TH ST, HONOLULU, HI 96818-4727

Mortgage

Document Number	1643/1091
Date	Mar 18, 2021
Book Page	1643/1091

Lender

Name	FRASER W COLLINS ETUL
Type	Private Party
Address	7866 S HILL DR, LITTLETON, CO 80120

Agreement

Amount	Amount Recorded
Term	24 Months
Due	Mar 14, 2023

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Property Address	3205 GIBSON ST, MIDLAND, MI 48640-2417
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 17TH ST, HONOLULU, HI 96818-4727

Mortgage

Document Number	1638/930
Date	Oct 19, 2020
Book Page	1638/930

Lender

Name	FINANCE OF AMERICA COMMERCIAL
Type	Mortgage Company
Address	CHARLOTTE, NC 28210

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	18 Months
Due	Apr 01, 2022

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MIDLAND MI
Recording Date	Dec 02, 2020
Property Address	3205 GIBSON ST, MIDLAND, MI 48640-2417
Document Number	1640/195
Book / Page	1640 / 195
Map Reference	LB C PG 20
Instrument Date	Nov 30, 2020
Transaction Type	Transfer
Record Updated	May 18, 2021

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	209 17TH ST, HONOLULU, HI 96818-4727

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Sep 11, 2020
Property Address	3205 GIBSON ST, MIDLAND, MI 48640-2417
Document Number	1637/581
Book / Page	1637 / 581
Map Reference	LB C PG 20
Instrument Date	Sep 09, 2020
Transaction Type	Transfer
Record Updated	May 18, 2021

Transaction

Amount	Amount Recorded
Tax	$337.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3205 GIBSON ST, 3205, MIDLAND, MI 48640-2417

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 17TH ST, HONOLULU, HI 96818-4727

Tax Assessment & Valuation

Source: Midland County records · Assessment roll updated July 29, 2025 · Last verified July 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$132,100	$264,200
2024	$4,365.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Midland County (26111C), updated February 3, 2014 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261112910002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 51 individual NFIP policies nearby
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, rainfall accumulation, Severe Storms And Flooding
Claims By Storm	Severe Storms And Flooding, May 2020 · 75 claims Flooding, Apr 2013 · 2 claims Severe Storms & Flooding, Sep 1986 · 11 claims

Wildfire

Wildfire Risk	Low above 20% of the US · above 52% of Michigan
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 160 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
AT&T	DSL	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon, T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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