428 Morningside Dr, Midland, MI 48640 Property Records

Midland County property record for 428 Morningside Dr, Midland, MI 48640

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,294 sqft · built 2002
Lot Size	0.05 acres (2,196 sqft)
Owner	Individual Name on Record
Last Sale	$234,900 (Oct 2026)
Tax Bill	$2,760 (2025)
Deeds & Mortgages	Oct 2026 Sale & Construction Loan Dec 2022 Transfer
Flood Zone	Zone X (moderate risk)
APN	`14-04-40-376`

Property Details

APN / Parcel Number

Primary APN	`14-04-40-376`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,294 sqft Living Area
1st Floor Area	1,294 sqft
Basement Area	1,294 sqft
Unfinished Basement	1,294 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Condo/Apartment
Lot Area	2,196 sqft (0.05 acres)
Garage Area	302 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	428 MORNINGSIDE DR
City	MIDLAND
State	MI
Zip	48640-7242
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RA-4
Legal Description	UNIT 428 MORNINGSIDE CONDO L 836 P 1036-1098, & L906 P1093-1101
Legal Subdivision	MORNINGSIDE CONDO
Legal Unit	428
Jurisdiction	MIDLAND MI
Township / Civil Division	MIDLAND
Census Block Group	2
Census Block	2009
Census Tract	290901

Owner

Source: Midland County records, as of October 13, 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	139 HICKORY RIDGE DR, MIDLAND, MI 48642-7927
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2026	Warranty Deed, Construction Loan · Construction Mortgage GENEVA FINANCIAL
Dec 9, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2026 · Amount on Record
Deed Sale	Oct 1, 2026 · Amount on Record
Prior Sale	Sep 30, 2016 · Amount on Record
Deed Document Number	20269548
Prior Transfer Date	Dec 8, 2022
Prior Transfer Doc	01661/1350
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Oct 1, 2026
Property Address	428 MORNINGSIDE DR, MIDLAND, MI 48640-7242
Document Number	0000009548
Instrument Date	Sep 29, 2026
Instrument	20269548
Transaction Type	Construction Loan
Record Updated	Oct 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$177,936.75
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	139 HICKORY RIDGE DR, MIDLAND, MI 48642-7927

Mortgage

Document Number	0000009549,
Date	Oct 1, 2026
Instrument	20269549

Lender

Name	GENEVA FINANCIAL

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Apr 1, 2027

Interest

Max Rate	-1%

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MIDLAND MI
Recording Date	Dec 9, 2022
Property Address	428 MORNINGSIDE DR, MIDLAND, MI 48640-7242
Document Number	01661/1350
Book / Page	1661 / 1350
Map Reference	LB 836 PG 1036
Instrument Date	Dec 8, 2022
Transaction Type	Transfer
Record Updated	Dec 23, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	428 MORNINGSIDE DR, MIDLAND, MI 48640-7242

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	428 MORNINGSIDE DR, MIDLAND, MI 48640-7242

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		$115,200 (+9.61%)	$230,400 (+9.61%)
2025	$2,760.00 (+1.02%) Homeowner's exemption	$105,100	$210,200
2024	$2,732.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 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	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.

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 Morningside Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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