4103 Arbor Dr, Midland, MI 48640 Property Records

Midland County property record for 4103 Arbor Dr, Midland, MI 48640

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,777 sqft · built 1977
Lot Size	0.73 acres (31,799 sqft)
Owner	2 Individual Names on Record
Last Sale	$269,000 (Jan 2019)
Tax Bill	$6,530 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Jan 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`14-08-20-224`

Property Details

APN / Parcel Number

Primary APN	`14-08-20-224`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,777 sqft Living Area
1st Floor Area	1,635 sqft
Basement Area	1,635 sqft
Unfinished Basement	1,634 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Lot Area	31,799 sqft (0.73 acres)
Lot Dimensions	235 ft deep x 135 ft wide
Garage Area	1,422 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4103 ARBOR DR
City	MIDLAND
State	MI
Zip	48640-2604
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-1
Legal Description	LOT 35 GARDENS SUB
Legal Subdivision	GARDENS SUB
Legal Lot Number	35
Jurisdiction	MIDLAND MI
Township / Civil Division	MIDLAND
Census Block Group	1
Census Block	1000
Census Tract	290400

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	2 Individual Names on Record
Mailing Address	4103 ARBOR DR, MIDLAND, MI 48640-2604
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2022	Deed of Trust, Mortgage · Commercial Mortgage WILDFIRE CU
Jan 3, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2019 · Amount on Record
Deed Sale	Jan 3, 2019 · Amount on Record
Deed Document Number	20191621-00169
Deed Book / Page	1621 / 169
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Property Address	4103 ARBOR DR, MIDLAND, MI 48640-2604
Transaction Type	Mortgage
Record Updated	Oct 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4103 ARBOR DR, MIDLAND, MI 48640-2604

Mortgage

Document Number	001660/262
Date	Sep 21, 2022
Book Page	1660/262

Lender

Name	WILDFIRE CU
Type	Credit Union
Address	SAGINAW, MI 48604

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Jan 3, 2019
Property Address	4103 ARBOR DR, MIDLAND, MI 48640-2604
Document Number	01621/00169
Book / Page	01621 / 00169
Instrument Date	Dec 27, 2018
Instrument	01621-00169
Transaction Type	Transfer
Record Updated	May 18, 2021

Transaction

Amount	Amount Recorded
Tax	$2,313.40
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	2917 S MISSION RD, MT PLEASANT, MI 48858

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		$234,100	$468,200
2025	$6,530.00

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
Flood Insurance Cost	Premium on Record median of 48 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	58 units insured incl. 10 condo units
Nearby Flood Claims	195 (1986–2026)
Claims Outside the SFHA	2 of 195
Most Recent Claim	Apr 2026 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, May 2020 · 165 claims Flooding, Apr 2013 · 4 claims Severe Storms & Flooding, Sep 1986 · 16 claims

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	Low lower than 94% of the US · lower than 85% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: AT&T, Omni Fiber, T-Mobile.

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