4117 Arbor Dr, Midland, MI 48640 Property Records

Midland County property record for 4117 Arbor Dr, Midland, MI 48640

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,865 sqft · built 1969
Lot Size	0.98 acres (42,689 sqft)
Owner	Individual Name on File
Last Sale	$195,400 (Jul 2016)
Tax Bill	$4,914 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-08-20-230`

Property Details

APN / Parcel Number

Primary APN	`14-08-20-230`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Units	3 Units
Stories	2 Stories
Building Area	2,865 sqft Living Area
1st Floor Area	1,301 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Bi-Level
Lot Area	42,689 sqft (0.98 acres)
Lot Dimensions	275 ft deep x 156 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	4117 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 32 GARDENS SUB
Legal Subdivision	GARDENS SUB
Legal Lot Number	32
Jurisdiction	MIDLAND MI
Township / Civil Division	MIDLAND
Census Block Group	1
Census Block	1000
Census Tract	290400

Owner

4117 Arbor Dr is owned and occupied by an individual who bought it in July 2016.

Source: Midland County records, as of August 4, 2026

Owner of Record	Individual Name on File
Mailing Address	4117 ARBOR DR, MIDLAND, MI 48640-2604
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2023	Deed of Trust, Mortgage · Line of Credit DOW CU
Oct 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage DOW CHEMICAL EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 6, 2016 · Amount on File
Deed Sale	Jul 6, 2016 · Amount on File
Deed Book / Page	1597 / 1148
Prior Transfer Date	Jul 23, 2014
Prior Transfer Doc	1578/1207
Record Updated	Sep 20, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Property Address	4117 ARBOR DR, MIDLAND, MI 48640-2604
Transaction Type	Mortgage
Record Updated	Feb 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4117 ARBOR DR, MIDLAND, MI 48640-2604

Mortgage

Document Number	01662/1166
Date	Jan 30, 2023
Book Page	1662/1166

Lender

Name	DOW CU
Type	Credit Union
Address	MIDLAND, MI 48641

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Property Address	4117 ARBOR DR, MIDLAND, MI 48640-2604
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PARKS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4117 ARBOR DR, MIDLAND, MI 48640-2604

Mortgage

Document Number	1638/1334
Date	Oct 26, 2020
Book Page	1638/1334

Lender

Name	DOW CHEMICAL EMPLOYEES CU
Type	Credit Union
Address	MIDLAND, MI 48641

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 4117 Arbor Dr was $4,914 with a homeowner's exemption.

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		$147,500	$295,000
2025	$4,914.00

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

Flood

FEMA maps place 4117 Arbor Dr in Zone X, an area of minimal flood risk, though there have been 195 flood claims nearby since 1986.

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 File 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

Wildfire risk around 4117 Arbor Dr is low, with less than a 0.01% annual chance of 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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