4302 James Dr, Midland, MI 48642 Property Records

Midland County property record for 4302 James Dr, Midland, MI 48642

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,577 sqft · built 1960
Lot Size	0.37 acres (16,117 sqft)
Owner	Individual Name on File
Last Sale	$254,900 (Jan 2021)
Tax Bill	$6,119 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-10-20-072`

Property Details

APN / Parcel Number

Primary APN	`14-10-20-072`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,577 sqft Living Area
1st Floor Area	1,586 sqft
Basement Area	952 sqft
Unfinished Basement	952 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Tri-Level
Lot Area	16,117 sqft (0.37 acres)
Lot Dimensions	160 ft deep x 100 ft wide
Garage Area	522 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4302 JAMES DR
City	MIDLAND
State	MI
Zip	48642-3780
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-1
Legal Description	LOT 8 MATTES SUB NO 1
Legal Subdivision	MATTES SUB
Legal Lot Number	8
Jurisdiction	MIDLAND MI
Township / Civil Division	MIDLAND
Census Block Group	3
Census Block	3005
Census Tract	290800

Owner

4302 James Dr is owned and occupied by an individual who bought it in January 2021.

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 File
Mailing Address	4302 JAMES DR, MIDLAND, MI 48642-3780
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 4, 2021 · Amount on File
Deed Sale	Jan 4, 2021 · Amount on File
Deed Book / Page	1641 / 67
Record Updated	Sep 20, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Jan 4, 2021
Property Address	4302 JAMES DR, MIDLAND, MI 48642-3780
Document Number	1641/67
Book / Page	1641 / 67
Map Reference	LB D PG 31
Instrument Date	Dec 8, 2020
Transaction Type	Transfer
Record Updated	May 18, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,912.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4302 JAMES DR, 4302, MIDLAND, MI 48642-3780

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 S EAGAN DR, LAKE ORION, MI 48362-3712

Mortgage

Document Number	01640/1412
Date	Dec 29, 2020
Book Page	1640/1412

Lender

Name	MAIN STREET BANK
Type	Bank
Address	FRANKLIN, MI 48025

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 4302 James Dr was $6,119.

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		$155,900	$311,800
2025	$6,119.00

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

Flood

FEMA maps place 4302 James Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2008.

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2008)
Most Recent Claim	Jun 2008

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 4302 James 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 97% of the US · lower than 93% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 379 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Omni Fiber Fiber	10,000 / 10,000
Ripple Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL	100 / 20