Midland County property record for 3315 Valley Dr, Midland, MI 48640
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 5 ba · 4,364 sqft · built 1957 |
| Lot Size | 1.73 acres (75,359 sqft) |
| Owner | Individual Name on File |
| Last Sale | $225,000 (Aug 2020) |
| Tax Bill | $12,034 (2022) |
| Deeds & Mortgages | Jun 2023 Line of Credit Jul 2021 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 14-08-50-046 |
| Primary APN | 14-08-50-046 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 4,364 sqft Living Area |
| Basement Area | 1,917 sqft |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1957 |
|---|---|
| Architectural Style | Ranch |
| Lot Area | 75,359 sqft (1.73 acres) |
| Lot Dimensions | 488 ft deep x 154 ft wide |
| Garage Area | 1,286 sqft |
| Parking Spaces | 5 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 140850046 |
|---|---|
| Street Address | 3315 VALLEY DR |
| City | MIDLAND |
| State | MI |
| Zip | 48640-2689 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA1 |
| Legal Description | LOT 44 ORCHARD SUB |
| Legal Subdivision | ORCHARD SUB |
| Legal Lot Number | 44 |
| Jurisdiction | MIDLAND MI |
| Township / Civil Division | MIDLAND |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 290400 |
3315 Valley Dr is owned and occupied by an individual who acquired it in October 2020.
Source: Midland County records, as of June 19, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 3315 VALLEY DR, MIDLAND, MI 48640-2689 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 23, 2023 | Deed of Trust, Mortgage · Line of Credit CREDIT UNION ONE |
| Jul 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Oct 26, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage FRANKENMUTH CU |
| Aug 31, 2020 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 31, 2020 · Amount on File |
| Deed Sale | Aug 31, 2020 · Amount on File |
| Prior Sale | Aug 31, 2020 · Amount on File |
| Deed Document Number | 1636/1437 |
| Deed Book / Page | 1636 / 1437 |
| Last Transfer Date | Oct 26, 2020 |
| Transfer Doc | 1638/1342 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDLAND MI |
| Property Address | 3315 VALLEY DR, MIDLAND, MI 48640-2689 |
| Transaction Type | Mortgage |
| Record Updated | Jul 7, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3315 VALLEY DR, MIDLAND, MI 48640-2689 |
| Document Number | 01665/1277 |
|---|---|
| Date | Jun 23, 2023 |
| Book Page | 1665/1277 |
| Name | CREDIT UNION ONE |
|---|---|
| Type | Credit Union |
| Address | FERNDALE, MI 48220 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jun 22, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDLAND MI |
| Property Address | 3315 VALLEY DR, MIDLAND, MI 48640-2689 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 3315 VALLEY DR, MIDLAND, MI 48640-2689 |
| Document Number | 1648/249 |
|---|---|
| Date | Jul 27, 2021 |
| Book Page | 1648/249 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MIDLAND MI |
| Recording Date | Oct 26, 2020 |
| Property Address | 3315 VALLEY DR, MIDLAND, MI 48640-2689 |
| Document Number | 1638/1342 |
| Book / Page | 1638 / 1342 |
| Map Reference | LB C PG 29 |
| Instrument Date | Oct 20, 2020 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3315 VALLEY DR, MIDLAND, MI 48640-2689 |
| Document Number | 16381343 |
|---|---|
| Date | Oct 26, 2020 |
| Instrument | 1638/1343 |
| Name | FRANKENMUTH CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MIDLAND MI |
| Recording Date | Aug 31, 2020 |
| Property Address | 3315 VALLEY DR, MIDLAND, MI 48640-2689 |
| Document Number | 1636/1437 |
| Book / Page | 1636 / 1437 |
| Map Reference | LB C PG 29 |
| Instrument Date | Aug 27, 2020 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $1,687.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3315 VALLEY DR, 3315, MIDLAND, MI 48640-2689 |
| Name | Verified Name |
|---|---|
| Address | 5011 BRISTLECONE DR, MIDLAND, MI 48642-8001 |
Source: Midland County assessment roll, as of March 1, 2023
| Type | Name |
|---|---|
| State | Michigan |
| County | Midland County |
| Municipality | Midland City |
| Unified School District | Midland Public Schools (KG - 12) |
FEMA maps place 3315 Valley Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective February 3, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 48 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 58 units insured incl. 10 condo units |
| Nearby Flood Claims | 195 (1986–2026) |
| Claims Outside the SFHA | 2 of 195 |
| Most Recent Claim | Apr 2026 · rainfall accumulation |
| Claims by Event |
|
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 risk around 3315 Valley Dr is low, with a 0.01% annual chance of 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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