Midland County property record for 424 Hemlock St, Midland, MI 48642
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,257 sqft · built 1938 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $108,000 (Sep 2018) |
| Tax Bill | $2,083 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Oct 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-24-60-312 |
| Primary APN | 14-24-60-312 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,257 sqft Living Area |
| 1st Floor Area | 714 sqft |
| Basement Area | 543 sqft |
| Unfinished Basement | 543 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1938 |
| Architectural Style | Ranch |
| Lot Area | 13,939 sqft (0.32 acres) |
| Lot Dimensions | 161 ft deep x 87 ft wide |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 424 HEMLOCK ST |
|---|---|
| City | MIDLAND |
| State | MI |
| Zip | 48642-6045 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA-4 |
| Legal Description | BEG 1016 FT E & 163 FT S OF W 1/4 COR SEC 24, S 87 FT, E 161 FT, N 87 FT, W 161 FT TO POB |
| Legal Subdivision | S24T14NR2E |
| Jurisdiction | MIDLAND MI |
| Township / Civil Division | MIDLAND |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 290600 |
424 Hemlock St is owned and occupied by two individuals who bought it in September 2018.
Source: Midland County records, as of August 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 424 HEMLOCK ST, MIDLAND, MI 48642-6045 |
| 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.
| Date | Document |
|---|---|
| Jun 29, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Oct 20, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Sep 13, 2018 | Warranty Deed, Transfer |
| Sep 17, 2018 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 13, 2018 · Amount on File |
| Deed Sale | Sep 13, 2018 · Amount on File |
| Prior Sale | Sep 9, 2008 · Amount on File |
| Deed Book / Page | 1618 / 847 |
| Prior Transfer Date | Sep 7, 2018 |
| Prior Transfer Doc | 1618/0993 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDLAND MI |
| Property Address | 424 HEMLOCK ST, MIDLAND, MI 48642-6045 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 424 HEMLOCK ST, MIDLAND, MI 48642-6045 |
| Document Number | 1647/313 |
|---|---|
| Date | Jun 29, 2021 |
| Book Page | 1647/313 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 336 Months |
| Due | Jun 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDLAND MI |
| Property Address | 424 HEMLOCK ST, MIDLAND, MI 48642-6045 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 424 HEMLOCK ST, MIDLAND, MI 48642-6045 |
| Document Number | 1638/1061 |
|---|---|
| Date | Oct 20, 2020 |
| Book Page | 1638/1061 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 343 Months |
| Due | May 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MIDLAND MI |
| Recording Date | Sep 13, 2018 |
| Property Address | 424 HEMLOCK ST, MIDLAND, MI 48642-6045 |
| Document Number | 1618/0847 |
| Book / Page | 1618 / 0847 |
| Instrument Date | Sep 10, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 424 HEMLOCK ST, 424, MIDLAND, MI 48642-6045 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 424 HEMLOCK ST, MIDLAND, MI 48642-6045 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MIDLAND MI |
| Recording Date | Sep 17, 2018 |
| Property Address | 424 HEMLOCK ST, MIDLAND, MI 48642-6045 |
| Document Number | 1618/0993 |
| Book / Page | 1618 / 0993 |
| Instrument Date | Sep 7, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 424 HEMLOCK ST, 424, MIDLAND, MI 48642-6045 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 424 HEMLOCK ST, MIDLAND, MI 48642-6045 |
The 2025 property tax bill for 424 Hemlock St was $2,083 with a homeowner's exemption, up 1% from the year before.
Source: Midland County assessment roll, as of August 4, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Midland County |
| Municipality | Midland City |
| Unified School District | Midland Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $82,000 (+4.59%) | $164,000 (+4.59%) | |
| 2025 | $2,083.00 (+1.02%) Homeowner's exemption | $78,400 | $156,800 |
| 2024 | $2,062.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 424 Hemlock St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective February 3, 2014
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 424 Hemlock St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 247 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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