Midland County property record for 3420 Cedar St, Midland, MI 48640
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,595 sqft · built 1985 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,488 (2025) |
| Flood Zone | Zone X (moderate risk) |
| APN | 14-18-96-170 |
| Primary APN | 14-18-96-170 |
|---|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,595 sqft Living Area |
| 1st Floor Area | 1,595 sqft |
| Basement Area | 1,292 sqft |
| Unfinished Basement | 1,292 sqft |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Ranch |
| Lot Area | 12,632 sqft (0.29 acres) |
| Lot Dimensions | 150 ft deep x 85 ft wide |
| Garage Area | 1,197 sqft |
| Parking Spaces | 4 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3420 CEDAR ST |
|---|---|
| City | MIDLAND |
| State | MI |
| Zip | 48640-4114 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA-1 |
| Legal Description | BEG 128.80 FT E OF NW COR OF LOT 50 CONES SUB, TH E 85 FT, S 150 FT, W TO A PT 128.66 FT E OF SW COR LOT 50, N 150 FT TO POB |
| Legal Subdivision | CONES SUB |
| Legal Lot Number | 50 |
| Jurisdiction | MIDLAND MI |
| Township / Civil Division | MIDLAND |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 290400 |
3420 Cedar St is owned and occupied by two individuals who acquired it in May 2015.
Source: Midland County records, as of August 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3420 CEDAR ST, MIDLAND, MI 48640-4114 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | May 29, 2015 |
| Transfer Doc | 1587/0596 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 3420 Cedar St was $3,488 with a homeowner's exemption, up 1% from the year before.
Source: Midland County assessment roll, as of August 4, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Midland County |
| Municipality | Midland City |
| Unified School District | Midland Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $137,900 (+5.19%) | $275,800 (+5.19%) | |
| 2025 | $3,488.00 (+1.04%) Homeowner's exemption | $131,100 | $262,200 |
| 2024 | $3,452.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3420 Cedar St in Zone X, an area of moderate flood risk, though there have been 57 flood claims nearby since 1986.
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 |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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 |
|
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 3420 Cedar St 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 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.
5G (outdoors only) and 4G LTE
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