Midland County property record for 4004 Concord St, Midland, MI 48642
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 1.5 ba · 2,192 sqft · built 1946 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on File |
| Last Sale | $181,100 (Oct 2021) |
| Deeds & Mortgages | Oct 2021 Sale & Mortgage Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-10-70-454 |
| Primary APN | 14-10-70-454 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,192 sqft Living Area |
| 1st Floor Area | 1,265 sqft |
| Basement Area | 1,020 sqft |
| Unfinished Basement | 1,020 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1946 |
| Lot Area | 11,326 sqft (0.26 acres) |
| Lot Dimensions | 160 ft deep x 70 ft wide |
| Garage Area | 148 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4004 CONCORD ST |
|---|---|
| City | MIDLAND |
| State | MI |
| Zip | 48642-3516 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA-1 |
| Legal Description | LOT 1 BLK E HOMESTEAD ADD NO 2 |
| Legal Subdivision | BLK E HOMESTEAD ADD |
| Legal Block | E |
| Legal Lot Number | 1 |
| Jurisdiction | MIDLAND MI |
| Township / Civil Division | MIDLAND |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 290300 |
4004 Concord St is owned and occupied by an individual who bought it in October 2021.
Source: Midland County records, as of August 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4004 CONCORD ST, MIDLAND, MI 48642-3516 |
| 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 |
|---|---|
| Oct 21, 2021 | Warranty Deed, Transfer · VA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Apr 20, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ACADEMY MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 21, 2021 · Amount on File |
| Deed Sale | Oct 21, 2021 · Amount on File |
| Deed Book / Page | 1650 / 1385 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MIDLAND MI |
| Recording Date | Oct 21, 2021 |
| Property Address | 4004 CONCORD ST, MIDLAND, MI 48642-3516 |
| Document Number | 1650/1385 |
| Book / Page | 1650 / 1385 |
| Map Reference | LB A PG 34 |
| Instrument Date | Oct 19, 2021 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,361.25 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4004 CONCORD ST, 4004, MIDLAND, MI 48642-3516 |
| Name | Verified Name |
|---|---|
| Address | 422 HAWTHORNE HOLW, MIDLAND, MI 48642-6041 |
| Document Number | 16501386 |
|---|---|
| Date | Oct 21, 2021 |
| Instrument | 1650/1386 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDLAND MI |
| Property Address | 4004 CONCORD ST, MIDLAND, MI 48642-3516 |
| Transaction Type | Mortgage |
| Record Updated | Jun 18, 2020 |
| Name | Verified Name |
|---|
| Document Number | 1633/84 |
|---|---|
| Date | Apr 20, 2020 |
| Book Page | 1633/84 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | DRAPER, UT 84020 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | May 1, 2040 |
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 | Assessed Value | Assessed Market Value |
|---|---|---|
| 2026 | $118,000 | $236,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4004 Concord St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective February 3, 2014
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 4004 Concord St is low, with less than 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 99.1% of the US · lower than 98.4% 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.
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 379 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Omni Fiber Fiber | 10,000 / 10,000 |
| Ripple Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
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