436 W Mitchell St, Sanford, MI 48657 Property Records

Midland County property record for 436 W Mitchell St, Sanford, MI 48657

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 945 sqft · built 1950
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$34,000 (Mar 2008)
Tax Bill	$1,460 (2025)
Deeds & Mortgages	Jul 2026 Reverse Mortgage Jul 2026 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`081-721-500-360-00`

Property Details

APN / Parcel Number

Primary APN	`081-721-500-360-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	945 sqft Living Area
1st Floor Area	945 sqft
Basement Area	945 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	120 ft deep x 100 ft wide
Garage Area	448 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	436 W MITCHELL ST
City	SANFORD
State	MI
Zip	48657-9405
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T15N R1W LOT 36 SHADY SHORE ANNEX SUB.
Legal Subdivision	SHADY SHORE ANNEX SUB
Legal Lot Number	36
Jurisdiction	MIDLAND MI
Township / Civil Division	JEROME
Census Block Group	3
Census Block	3008
Census Tract	291602

Owner

436 W Mitchell St is owned and occupied by two individuals who bought it in March 2008.

Source: Midland County records, as of August 5, 2026

Owner of Record	2 Individual Names on File
Mailing Address	436 W MITCHELL ST, SANFORD, MI 48657-9405
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
Jul 6, 2026	Deed of Trust, Mortgage · Reverse Mortgage FEDERAL HOUSING COMMISSIONER
Jul 6, 2026	Deed of Trust, Mortgage · Reverse Mortgage HIGHTECHLENDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 7, 2008 · Amount on File
Deed Sale	Mar 7, 2008 · Amount on File
Prior Sale	Jul 30, 2007
Deed Book / Page	1425 / 918
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Recording Date	Jul 6, 2026
Property Address	436 W MITCHELL ST, SANFORD, MI 48657-9405
Document Number	0000006493
Instrument Date	Jun 10, 2026
Instrument	20266493
Transaction Type	Mortgage
Record Updated	Jul 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	436 W MITCHELL ST, SANFORD, MI 48657-9405

Mortgage

Document Number	0000006493,
Date	Jul 6, 2026
Instrument	20266493

Lender

Name	FEDERAL HOUSING COMMISSIONER

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	944 Months
Due	Mar 10, 2105

Interest

Rate Type	Adjustable Rate
Rate	6.36%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Recording Date	Jul 6, 2026
Property Address	436 W MITCHELL ST, SANFORD, MI 48657-9405
Document Number	0000006492
Instrument Date	Jun 10, 2026
Instrument	20266492
Transaction Type	Mortgage
Record Updated	Jul 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	436 W MITCHELL ST, SANFORD, MI 48657-9405

Mortgage

Document Number	0000006492,
Date	Jul 6, 2026
Instrument	20266492

Lender

Name	HIGHTECHLENDING INC

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	944 Months
Due	Mar 10, 2105

Interest

Rate Type	Adjustable Rate
Rate	6.36%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 436 W Mitchell St was $1,460 with a homeowner's exemption, up 1.7% from the year before.

Source: Midland County assessment roll, as of August 4, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Midland County
County Subdivision	Jerome Township
Municipality	Sanford Village
Unified School District	Meridian Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$55,900 (+11.13%)	$111,800 (+11.13%)
2025	$1,460.00 (+1.67%) Homeowner's exemption	$50,300	$100,600
2024	$1,436.00

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

Flood

FEMA maps place 436 W Mitchell St in Zone X, an area of minimal flood risk, though there have been 31 flood claims nearby since 2014.

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
Nearby Flood Policies	3 in force
Nearby Flood Claims	31 (2014–2020)
Claims Outside the SFHA	3 of 31
Most Recent Claim	May 2020 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2020 · 20 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 436 W Mitchell St is low, with 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	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	MIDLAND CO., WATER DIST. NO. 1 OF serves 11,000 people · EPA ID MI0004375
Water Source	Purchased surface water from CITY OF MIDLAND
Last State Inspection	May 2024
Lead	3 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jan 2025
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 65 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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