412 Harper Ln, Midland, MI 48640 Property Records

Midland County property record for 412 Harper Ln, Midland, MI 48640

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,584 sqft · built 1969
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Last Sale	$247,315 (Mar 2026)
Tax Bill	$5,478 (2025)
Deeds & Mortgages	Mar 2026 Sale Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-04-40-574`

Property Details

APN / Parcel Number

Primary APN	`14-04-40-574`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,584 sqft Living Area
1st Floor Area	1,584 sqft
Basement Area	1,056 sqft
Unfinished Basement	1,056 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Ranch
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	135 ft deep x 90 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	412 HARPER LN
City	MIDLAND
State	MI
Zip	48640-7321
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-1
Legal Description	LOT 4 ALOHA GARDENS SUB
Legal Subdivision	ALOHA GARDENS SUB
Legal Lot Number	4
Jurisdiction	MIDLAND MI
Township / Civil Division	MIDLAND
Census Block Group	2
Census Block	2000
Census Tract	290901

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	412 HARPER LN, MIDLAND, MI 48640-7321
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2026	Warranty Deed, Transfer ISLAND TITLE AGENCY LLC, MIDLAND TITLE AGENCY LLC
Oct 25, 2021	Deed of Trust, Mortgage FRANKENMUTH CU
May 27, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage FINLEY CAPITAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2026 · Amount on Record
Deed Sale	Mar 6, 2026 · Amount on Record
Prior Sale	May 27, 2021 · Amount on Record
Deed Document Number	20261975
Deed Book / Page	2026 / 1975
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Mar 6, 2026
Property Address	412 HARPER LN, MIDLAND, MI 48640-7321
Document Number	2026R01975
Map Reference	LB G PG 13
Instrument Date	Feb 10, 2026
Instrument	2026R-01975
Transaction Type	Transfer
Record Updated	Mar 24, 2026
Title Company	ISLAND TITLE AGENCY LLC, MIDLAND TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Tax	$1,856.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6024 EASTMAN AVE, MIDLAND, MI 48640-2518

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 HARPER LN, MIDLAND, MI 48640-7321

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Property Address	412 HARPER LN, MIDLAND, MI 48640-7321
Transaction Type	Mortgage
Record Updated	Nov 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6024 EASTMAN AVE, MIDLAND, MI 48640-2518

Mortgage

Document Number	1651/15
Date	Oct 25, 2021
Book Page	1651/15

Lender

Name	FRANKENMUTH CU
Type	Credit Union
Address	FRANKENMUTH, MI 48734

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Oct 20, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	May 27, 2021
Property Address	412 HARPER LN, MIDLAND, MI 48640-7321
Document Number	1646/295
Book / Page	1646 / 295
Map Reference	LB G PG 13
Instrument Date	May 17, 2021
Transaction Type	Transfer
Record Updated	Jun 9, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$787.50
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	601 HARPER LN, 601, MIDLAND, MI 48640-7308

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6024 EASTMAN AVE, MIDLAND, MI 48640-2518

Mortgage

Document Number	1646296
Date	May 27, 2021
Instrument	1646/296

Lender

Name	FINLEY CAPITAL LLC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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		$128,400 (+17.58%)	$256,800 (+17.58%)
2025	$5,478.00 (+1.65%)	$109,200	$218,400
2024	$5,389.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	3 (2017)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Jun 2017 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2017 · 3 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 96% of the US · lower than 91% 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 366 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
AT&T DSL	100 / 20

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

Nearby Properties on Harper Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures