4111 Arbor Dr, Midland, MI 48640 Property Records

Midland County property record for 4111 Arbor Dr, Midland, MI 48640

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,045 sqft · built 1974
Lot Size	0.61 acres (26,572 sqft)
Owner	Individual Name on Record
Last Sale	$303,750 (May 2024)
Tax Bill	$5,443 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Aug 2020 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-08-20-226`

Property Details

APN / Parcel Number

Primary APN	`14-08-20-226`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,045 sqft Living Area
1st Floor Area	2,045 sqft
Basement Area	1,411 sqft
Unfinished Basement	1,411 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Ranch
Lot Area	26,572 sqft (0.61 acres)
Lot Dimensions	200 ft deep x 134 ft wide
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4111 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 33 GARDENS SUB.
Legal Subdivision	GARDENS SUB
Legal Lot Number	33
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	Individual Name on Record
Mailing Address	4111 ARBOR DR, MIDLAND, MI 48640-2604
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2024	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Aug 20, 2020	Intrafamily Transfer, Transfer
Jun 1, 2020	Deed of Trust, Mortgage THE HUNTINGTON NATIONAL BANK
May 16, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 2024 · Amount on Record
Deed Sale	May 14, 2024 · Amount on Record
Prior Sale	May 16, 2018 · Amount on Record
Deed Book / Page	1672 / 453
Prior Transfer Date	Aug 27, 2014
Prior Transfer Doc	1580/0063
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Property Address	4111 ARBOR DR, MIDLAND, MI 48640-2604
Transaction Type	Mortgage
Record Updated	Apr 24, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4111 ARBOR DR, MIDLAND, MI 48640-2604

Mortgage

Document Number	001671/668
Date	Apr 1, 2024
Book Page	1671/668

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Mar 1, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MIDLAND MI
Recording Date	Aug 20, 2020
Property Address	4111 ARBOR DR, MIDLAND, MI 48640-2604
Document Number	1636/834
Book / Page	1636 / 834
Instrument Date	Aug 20, 2020
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4111 ARBOR DR, MIDLAND, MI 48640-2604

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Property Address	4111 ARBOR DR, MIDLAND, MI 48640-2604
Transaction Type	Mortgage
Record Updated	Jun 18, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1634/137
Date	Jun 1, 2020
Book Page	1634/137

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Amount	Amount Recorded

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	May 16, 2018
Property Address	4111 ARBOR DR, MIDLAND, MI 48640-2604
Document Number	1615/0491
Book / Page	1615 / 0491
Instrument Date	May 15, 2018
Transaction Type	Transfer
Record Updated	May 18, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4533 OAK SPRINGS CIR, 4533, DEFOREST, WI 53532-1743

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3824 CHIPPEWA LN, MIDLAND, MI 48640

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		$160,800 (+9.84%)	$321,600 (+9.84%)
2025	$5,443.00 (+1.87%) Homeowner's exemption	$146,400	$292,800
2024	$5,343.00

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

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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