4103 Stonegate Dr, Midland, MI 48640 Property Records

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

Property Summary

Property Type	Duplex
Details	4 ba · 2,176 sqft · built 1997
Lot Size	0.47 acres (20,473 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,000 (Dec 2025)
Tax Bill	$7,369 (2024)
Deeds & Mortgages	May 2021 Mortgage Jul 2021 Line of Credit + 2 more
Flood Zone	Zone X (moderate risk)
APN	`14-06-50-542`

Property Details

APN / Parcel Number

Primary APN	`14-06-50-542`

Interior

Full Baths	4 Baths
Building Area	2,176 sqft Total Area
1st Floor Area	2,176 sqft
Basement Area	2,176 sqft
Unfinished Basement	2,176 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Duplex Single
Lot Area	20,473 sqft (0.47 acres)
Lot Dimensions	171 ft deep x 120 ft wide
Garage Area	610 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4103 STONEGATE DR
City	MIDLAND
State	MI
Zip	48640-2146
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RB
Legal Description	LOT 22 STONEGATE MANOR FIRST AMENDED MASTER DEED L822 PAGES 335 THRU 382
Legal Subdivision	STONEGATE MANOR FIRST AMD
Legal Lot Number	22
Jurisdiction	MIDLAND MI
Township / Civil Division	MIDLAND
Census Block Group	4
Census Block	4005
Census Tract	291000

Owner

Source: Midland County records, as of December 23, 2025

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	14807 CANARY DR, GRAND HAVEN, MI 49417-9198
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage 1ST STATE BANK
Jul 26, 2021	Deed of Trust, Mortgage · Line of Credit 1ST STATE BANK
Dec 11, 2025	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 INC
Mar 8, 2021	Warranty Deed, Transfer · Conventional Mortgage 1ST STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2025 · Amount on Record
Deed Sale	Dec 11, 2025 · Amount on Record
Prior Sale	Mar 8, 2021 · Amount on Record
Deed Document Number	202510984
Deed Book / Page	2025 / 10984
Prior Transfer Date	Mar 4, 2021
Prior Transfer Doc	001643/177
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Property Address	4103 STONEGATE DR, MIDLAND, MI 48640-2146
Transaction Type	Mortgage
Record Updated	Jan 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1208 STERLING CT, MIDLAND, MI 48640-2728

Mortgage

Document Number	01645/1063
Date	May 13, 2021
Book Page	1645/1063

Lender

Name	1ST STATE BANK
Type	Bank
Address	SAGINAW, MI 48605

Agreement

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

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Property Address	4103 STONEGATE DR, MIDLAND, MI 48640-2146
Transaction Type	Mortgage
Record Updated	Jan 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1208 STERLING CT, MIDLAND, MI 48640-2728

Mortgage

Document Number	001648/135
Date	Jul 26, 2021
Book Page	1648/135

Lender

Name	1ST STATE BANK
Type	Bank
Address	SAGINAW, MI 48605

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Dec 11, 2025
Property Address	4103 STONEGATE DR, MIDLAND, MI 48640-2146
Document Number	2025R10984
Map Reference	LB 626 PG 1395
Instrument Date	Dec 9, 2025
Instrument	2025R-10984
Transaction Type	Transfer
Record Updated	Jan 1, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,325.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2628 N BROWNWOOD TRL, MIDLAND, MI 48642-9752

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	14807 CANARY DR, GRAND HAVEN, MI 49417-9198

Mortgage

Document Number	2025R10985
Date	Dec 11, 2025
Instrument	2025R-10985

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Mar 8, 2021
Property Address	4103 STONEGATE DR, MIDLAND, MI 48640-2146
Document Number	001643/177
Book / Page	1643 / 177
Map Reference	LB 626 PG 1395
Instrument Date	Mar 4, 2021
Transaction Type	Transfer
Record Updated	Jul 4, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,252.50
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2325 ROCKWELL DR, 2325, MIDLAND, MI 48642-9325

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1208 STERLING CT, MIDLAND, MI 48640-2728

Mortgage

Document Number	0001643178
Date	Mar 8, 2021
Instrument	1643/178

Lender

Name	1ST STATE BANK
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Apr 1, 2022
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.75%
Index	1-Year CMT
Max Rate	10.7%

Tax Assessment & Valuation

Source: Midland County assessment roll, as of July 29, 2025

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
2025		$162,200	$324,400
2024	$7,369.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	17 (1986–2020)
Claims Outside the SFHA	4 of 17
Most Recent Claim	May 2020 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2020 · 15 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	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 211 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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