Midland County property record for 407 Hemlock St, Midland, MI 48642
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,404 sqft · built 1935 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,369 (2025) |
| Deeds & Mortgages | Feb 2022 Sale & Mortgage Feb 2022 Second Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-24-60-332 |
| Primary APN | 14-24-60-332 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,404 sqft Living Area |
| 1st Floor Area | 936 sqft |
| Basement Area | 936 sqft |
| Unfinished Basement | 936 sqft |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1935 |
| Lot Area | 12,632 sqft (0.29 acres) |
| Lot Dimensions | 128 ft deep x 100 ft wide |
| Garage Area | 283 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 407 HEMLOCK ST |
|---|---|
| City | MIDLAND |
| State | MI |
| Zip | 48642-6044 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA-4 |
| Legal Description | BEG 966 FT E & 425 FT S OF NW COR OF SW 1/4 OF SEC 24 W 128 FT, S 100 FT, E 128 FT, N 100 FT TO |
| Legal Subdivision | NW4SW4 S24T14NR2E |
| Jurisdiction | MIDLAND MI |
| Township / Civil Division | MIDLAND |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 290600 |
407 Hemlock St is owned and occupied by an individual who acquired it in February 2022.
Source: Midland County records, as of August 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 407 HEMLOCK ST, MIDLAND, MI 48642-6044 |
| 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 |
|---|---|
| Feb 1, 2022 | Warranty Deed, Transfer · FHA Mortgage GENEVA FINANCIAL LLC |
| Feb 1, 2022 | Warranty Deed, Transfer · Stand-Alone Second Mortgage GENEVA FINANCIAL LLC |
| Mar 22, 2021 | Deed of Trust, Mortgage · Stand-Alone First Mortgage DOW CHEMICAL EMPLOYEES CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 1, 2022 |
| Deed Sale | Feb 1, 2022 |
| Prior Sale | Feb 1, 2022 · Amount on File |
| Deed Book / Page | 1653 / 1265 |
| Prior Transfer Date | Apr 11, 2014 |
| Prior Transfer Doc | 01577/1408 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MIDLAND MI |
| Recording Date | Feb 1, 2022 |
| Property Address | 407 HEMLOCK ST, MIDLAND, MI 48642-6044 |
| Document Number | 01653/1264 |
| Book / Page | 1653 / 1264 |
| Instrument Date | Jan 28, 2022 |
| Transaction Type | Transfer |
| Record Updated | Feb 14, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,117.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 407 HEMLOCK ST, 407, MIDLAND, MI 48642-6044 |
| Name | Verified Name |
|---|---|
| Address | 2800 NOVAK ST, MIDLAND, MI 48642-5058 |
| Document Number | 0016531266 |
|---|---|
| Date | Feb 1, 2022 |
| Instrument | 1653/1266 |
| Name | GENEVA FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2052 |
| Document Number | 01653/1267 |
|---|---|
| Date | Feb 1, 2022 |
| Book Page | 1653/1267 |
| Name | GENEVA FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHANDLER, AZ 85225 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MIDLAND MI |
| Recording Date | Feb 1, 2022 |
| Property Address | 407 HEMLOCK ST, MIDLAND, MI 48642-6044 |
| Document Number | 01653/1265 |
| Book / Page | 1653 / 1265 |
| Instrument Date | Jan 28, 2022 |
| Transaction Type | Transfer |
| Record Updated | Feb 14, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2800 NOVAK ST, MIDLAND, MI 48642-5058 |
| Document Number | 01653/1267 |
|---|---|
| Date | Feb 1, 2022 |
| Book Page | 1653/1267 |
| Name | GENEVA FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHANDLER, AZ 85225 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDLAND MI |
| Property Address | 407 HEMLOCK ST, MIDLAND, MI 48642-6044 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2021 |
| Title Company | PARKS TITLE |
| Name | Verified Name |
|---|---|
| Address | 107 HEMLOCK ST, MIDLAND, MI 48642 |
| Document Number | 1643/1403 |
|---|---|
| Date | Mar 22, 2021 |
| Book Page | 1643/1403 |
| Name | DOW CHEMICAL EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | MIDLAND, MI 48641 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 407 Hemlock St was $2,369 with a homeowner's exemption.
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 | $82,600 | $165,200 | |
| 2025 | $2,369.00 | ||
| 2023 | $54,900 | $109,800 | |
| 2022 | $1,783.00 |
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.
FEMA maps place 407 Hemlock 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.
The area around 407 Hemlock St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 247 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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