4311 Arbor Dr, Midland, MI 48640 Property Records

Midland County property record for 4311 Arbor Dr, Midland, MI 48640

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 2,988 sqft · built 1966
Lot Size	0.82 acres (35,719 sqft)
Owner	2 Individual Names on File
Last Sale	$230,000 (Apr 2019)
Tax Bill	$6,872 (2024)
Deeds & Mortgages	Sep 2023 Line of Credit Jun 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`14-08-20-240`

Property Details

APN / Parcel Number

Primary APN	`14-08-20-240`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,988 sqft Living Area
1st Floor Area	2,120 sqft
Basement Area	1,252 sqft
Unfinished Basement	1,252 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Lot Area	35,719 sqft (0.82 acres)
Lot Dimensions	237 ft deep x 150 ft wide
Garage Area	608 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4311 ARBOR DR
City	MIDLAND
State	MI
Zip	48640-2671
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-1
Legal Description	LOT 27 GARDENS SUB
Legal Subdivision	GARDENS SUB
Legal Lot Number	27
Jurisdiction	MIDLAND MI
Township / Civil Division	MIDLAND
Census Block Group	1
Census Block	1000
Census Tract	290400

Owner

4311 Arbor Dr is owned and occupied by two individuals who bought it in April 2019.

Source: Midland County records, as of January 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4311 ARBOR DR, MIDLAND, MI 48640-2671
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 5, 2023	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jun 22, 2020	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Apr 18, 2019	Warranty Deed, Transfer
Apr 18, 2019	Intrafamily Transfer, Transfer
Mar 13, 2018	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2019 · Amount on File
Deed Sale	Apr 18, 2019 · Amount on File
Deed Document Number	20191623-00994
Deed Book / Page	1623 / 994
Prior Transfer Date	Apr 15, 2019
Prior Transfer Doc	01623/00993
Record Updated	Jun 8, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Property Address	4311 ARBOR DR, MIDLAND, MI 48640-2671
Transaction Type	Mortgage
Record Updated	Sep 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4311 ARBOR DR, MIDLAND, MI 48640-2671

Mortgage

Document Number	001667/598
Date	Sep 5, 2023
Book Page	1667/598

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Aug 19, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Property Address	4311 ARBOR DR, MIDLAND, MI 48640-2671
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1634/1020
Date	Jun 22, 2020
Book Page	1634/1020

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2050

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Apr 18, 2019
Property Address	4311 ARBOR DR, MIDLAND, MI 48640-2671
Document Number	01623/00994
Book / Page	01623 / 00994
Instrument Date	Apr 15, 2019
Instrument	01623-00994
Transaction Type	Transfer
Record Updated	May 18, 2021

Transaction

Amount	Amount on Record
Tax	$1,978.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2325 ROCKWELL DR, 2325, MIDLAND, MI 48642-9325

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4118 CONCORD ST, MIDLAND, MI 48642-3577

April 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MIDLAND MI
Recording Date	Apr 18, 2019
Property Address	4311 ARBOR DR, MIDLAND, MI 48640-2671
Document Number	01623/00993
Book / Page	01623 / 00993
Instrument Date	Apr 15, 2019
Instrument	01623-00993
Transaction Type	Transfer
Record Updated	May 18, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2325 ROCKWELL DR, 2325, MIDLAND, MI 48642-9325

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2325 ROCKWELL DR, MIDLAND, MI 48642-9325

March 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MIDLAND MI
Recording Date	Mar 13, 2018
Property Address	4311 ARBOR DR, MIDLAND, MI 48640-2671
Document Number	1613/1007
Book / Page	1613 / 1007
Instrument Date	Mar 1, 2018
Transaction Type	Transfer
Record Updated	Jun 6, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4311 ARBOR DR, MIDLAND, MI 48640-2671

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		$194,500	$389,000
2024	$6,872.00

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

Flood

FEMA maps place 4311 Arbor Dr in Zone X, an area of minimal flood risk, though there have been 195 flood claims nearby since 1986.

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 File 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

Wildfire risk around 4311 Arbor 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 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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