406 E Grove St, Midland, MI 48640 Property Records

Midland County property record for 406 E Grove St, Midland, MI 48640

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,365 sqft · built 1900
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on Record
Last Sale	$88,500 (Dec 2020)
Tax Bill	$1,793 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-16-50-118`

Property Details

APN / Parcel Number

Primary APN	`14-16-50-118`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,365 sqft Living Area
1st Floor Area	891 sqft
Basement Area	891 sqft
Unfinished Basement	891 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	3,049 sqft (0.07 acres)
Lot Dimensions	60 ft deep x 54 ft wide
Garage Area	234 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	406 E GROVE ST
City	MIDLAND
State	MI
Zip	48640-5249
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB
Legal Description	BEG AT E COR OF LOT 3 BLK 59 CARPENTERS DIV, NW 66 FT,SW 30 FT, SE 12 FT, SW 30 FT, SE 54 FT, NE 60 FT TO BEG
Legal Subdivision	CARPENTERS DIV
Legal Block	59
Legal Lot Number	3
Jurisdiction	MIDLAND MI
Township / Civil Division	MIDLAND
Census Block Group	3
Census Block	3039
Census Tract	290100

Owner

Source: Midland County records, as of August 4, 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 Record
Mailing Address	406 E GROVE ST, MIDLAND, MI 48640-5249
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2020 · Amount on Record
Deed Sale	Dec 21, 2020 · Amount on Record
Prior Sale	Feb 27, 2012 · Amount on Record
Deed Book / Page	1640 / 1142
Record Updated	Oct 29, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Dec 21, 2020
Property Address	406 E GROVE ST, MIDLAND, MI 48640-5249
Document Number	1640/1142
Book / Page	1640 / 1142
Instrument Date	Nov 12, 2020
Transaction Type	Transfer
Record Updated	May 18, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$663.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	406 E GROVE ST, 406, MIDLAND, MI 48640-5249

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 E GROVE ST, MIDLAND, MI 48640-5249

Mortgage

Document Number	16401143
Date	Dec 21, 2020
Instrument	1640/1143

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

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		$78,200	$156,400
2025	$1,793.00

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

Flood

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 (1996)
Most Recent Claim	Jun 1996 · Severe Storms And Flooding

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 436 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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