Midland County property record for 441 S Homer Rd, Midland, MI 48640
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,128 sqft |
| Lot Size | 4.15 acres (180,774 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,098 (2025) |
| Deeds & Mortgages | Dec 2022 Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | 040-023-300-401-00 |
| Primary APN | 040-023-300-401-00 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,128 sqft Living Area |
| 1st Floor Area | 1,128 sqft |
| Basement Area | 1,128 sqft |
| Lot Area | 180,774 sqft (4.15 acres) |
|---|---|
| Garage Area | 572 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 441 S HOMER RD |
|---|---|
| City | MIDLAND |
| State | MI |
| Zip | 48640-8368 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SEC 23 T14N R1E COM 417.05 FT N OF SW SEC COR, TH E 327.7 FT, N 170.2 FT, W 1 FT, N TO RIV, WLY ALG RIV TO W SEC LN, S TO |
| Legal Range | 01E |
| Legal Township | 14N |
| Legal Section | 23 |
| Jurisdiction | MIDLAND MI |
| Township / Civil Division | HOMER |
| Census Block Group | 3 |
| Census Block | 3034 |
| Census Tract | 291200 |
441 S Homer Rd is owned and occupied by an individual.
Source: Midland County records, as of August 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 441 S HOMER RD, MIDLAND, MI 48640-8368 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDLAND MI |
| Property Address | 441 S HOMER RD, MIDLAND, MI 48640-8368 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2022 |
| Title Company | FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 441 S HOMER RD, MIDLAND, MI 48640-8368 |
| Document Number | 01661/1081 |
|---|---|
| Date | Dec 1, 2022 |
| Book Page | 1661/1081 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Dec 1, 2062 |
The 2025 property tax bill for 441 S Homer Rd was $2,098 with a homeowner's exemption.
Source: Midland County assessment roll, as of August 4, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Midland County |
| County Subdivision | Homer Township |
| Unified School District | Bullock Creek School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $91,600 | $183,200 | |
| 2025 | $2,098.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 441 S Homer Rd in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective February 3, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 16 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 19 (2004–2020) |
| Claims Outside the SFHA | 4 of 19 |
| Most Recent Claim | May 2020 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 441 S Homer Rd 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 | Direct burnable vegetation |
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 32 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 |
May also be available: AT&T.
5G (outdoors only) and 4G LTE
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