4010 E Saint Andrews Rd, Midland, MI 48642 Property Records

Midland County property record for 4010 E Saint Andrews Rd, Midland, MI 48642

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,410 sqft · built 1960
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on File
Last Sale	$210,000 (Apr 2026)
Tax Bill	$2,665 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-10-20-610`

Property Details

APN / Parcel Number

Primary APN	`14-10-20-610`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,410 sqft Living Area
1st Floor Area	1,410 sqft
Basement Area	1,144 sqft
Unfinished Basement	1,144 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	149 ft deep x 78 ft wide
Garage Area	317 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4010 E SAINT ANDREWS RD
City	MIDLAND
State	MI
Zip	48642-3746
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-2
Legal Description	LOT 30 JOHNSON-RUNNELLS SUB
Legal Subdivision	JOHNSON-RUNNELLS SUB
Legal Lot Number	30
Jurisdiction	MIDLAND MI
Township / Civil Division	MIDLAND
Census Block Group	3
Census Block	3006
Census Tract	290800

Owner

4010 E Saint Andrews Rd is owned and occupied by an individual who bought it in April 2026.

Source: Midland County records, as of August 4, 2026

Owner of Record	Individual Name on File
Mailing Address	710 MILL ST, MIDLAND, MI 48640-5335
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

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

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2021	Deed of Trust, Mortgage · VA Mortgage LOW VA RATES LLC
Apr 1, 2026	Warranty Deed, Transfer · FHA Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2026 · Amount on File
Deed Sale	Apr 1, 2026 · Amount on File
Deed Document Number	20263149
Deed Book / Page	2026 / 3149
Prior Transfer Date	Nov 14, 2014
Prior Transfer Doc	01582/0324
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Property Address	4010 E SAINT ANDREWS RD, MIDLAND, MI 48642-3746
Transaction Type	Mortgage
Record Updated	Apr 20, 2026
Title Company	ELEVATED TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4010 E SAINT ANDREWS RD, MIDLAND, MI 48642-3746

Mortgage

Document Number	0001642/65
Date	Feb 1, 2021
Book Page	1642/65

Lender

Name	LOW VA RATES LLC
Type	Non-Lending Institution
Address	LINDON, UT 84042

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Apr 1, 2026
Property Address	4010 E SAINT ANDREWS RD, MIDLAND, MI 48642-3746
Document Number	0000003149
Book / Page	2026 / 3149
Instrument Date	Mar 27, 2026
Instrument	20263149
Transaction Type	Transfer
Record Updated	Apr 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$159,075.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	710 MILL ST, MIDLAND, MI 48640-5335

Mortgage

Document Number	0000003150,
Date	Apr 1, 2026
Instrument	20263150

Lender

Name	GOLD STAR MORTGAGE FINANCIAL GROUP CORP

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate	6.01%
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 4010 E Saint Andrews Rd was $2,665 with a homeowner's exemption, up 1% from the year before.

Source: Midland County assessment roll, as of August 4, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$105,400 (+4.98%)	$210,800 (+4.98%)
2025	$2,665.00 (+1.02%) Homeowner's exemption	$100,400	$200,800
2024	$2,638.00

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

FEMA maps place 4010 E Saint Andrews Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2008.

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	2 in force
Nearby Flood Claims	1 (2008)
Most Recent Claim	Jun 2008

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

Wildfire risk around 4010 E Saint Andrews Rd 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.

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 435 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Omni Fiber Fiber	10,000 / 10,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Ripple Fiber.

Nearby Properties on E Saint Andrews Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures