4209 Arbor Dr, Midland, MI 48640 Property Records

Midland County property record for 4209 Arbor Dr, Midland, MI 48640

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,059 sqft · built 1977
Lot Size	0.76 acres (33,106 sqft)
Owner	2 Individual Names on Record
Last Sale	$285,000 (Jun 2021)
Tax Bill	$6,105 (2024)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Jun 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`14-08-20-236`

Property Details

APN / Parcel Number

Primary APN	`14-08-20-236`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,059 sqft Living Area
1st Floor Area	2,059 sqft
Basement Area	2,059 sqft
Unfinished Basement	2,059 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Ranch
Lot Area	33,106 sqft (0.76 acres)
Lot Dimensions	207 ft deep x 160 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	4209 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 29 GARDENS SUB
Legal Subdivision	GARDENS SUB
Legal Lot Number	29
Jurisdiction	MIDLAND MI
Township / Civil Division	MIDLAND
Census Block Group	1
Census Block	1000
Census Tract	290400

Owner

Source: Midland County records, as of July 29, 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	4209 ARBOR DR, MIDLAND, MI 48640-2604
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage DOW CHEMICAL EMPLOYEES CU
Jun 9, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2021 · Amount on Record
Deed Sale	Jun 4, 2021 · Amount on Record
Prior Sale	Jun 9, 2017 · Amount on Record
Deed Book / Page	1646 / 685
Prior Transfer Date	Sep 21, 2015
Prior Transfer Doc	1590/1317
Record Updated	Jun 8, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Jun 4, 2021
Property Address	4209 ARBOR DR, MIDLAND, MI 48640-2604
Document Number	1646/685
Book / Page	1646 / 685
Map Reference	LB E PG 36-38
Instrument Date	May 25, 2021
Transaction Type	Transfer
Record Updated	Jun 16, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,137.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4209 ARBOR DR, 4209, MIDLAND, MI 48640-2604

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4540 N ISLAND DR, SANFORD, MI 48657-9571

Mortgage

Document Number	1646686
Date	Jun 4, 2021
Instrument	1646/686

Lender

Name	DOW CHEMICAL EMPLOYEES CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	359 Months
Due	May 28, 2051

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Jun 9, 2017
Property Address	4209 ARBOR DR, MIDLAND, MI 48640-2604
Document Number	1606/1104
Book / Page	1606 / 1104
Map Reference	LB E PG 36-38
Instrument Date	Jun 8, 2017
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	3212 SPRUCE ST, 3212, MIDLAND, MI 48640-6448

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3414 PINE GROVE DR, MIDLAND, MI 48640-2375

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		$164,400	$328,800
2024	$6,105.00

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 95% of the US · lower than 89% 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 111 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
AT&T Fixed Wireless · DSL	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Omni Fiber.

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