Midland County property record for 4455 Arbor Dr, Midland, MI 48640
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,698 sqft · built 1975 |
| Lot Size | 0.89 acres (38,768 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,028 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-08-10-102 |
| Primary APN | 14-08-10-102 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 2,698 sqft Living Area |
| 1st Floor Area | 1,798 sqft |
| Basement Area | 1,014 sqft |
| Unfinished Basement | 1,014 sqft |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Tri-Level |
| Lot Area | 38,768 sqft (0.89 acres) |
| Lot Dimensions | 243 ft deep x 160 ft wide |
| Garage Area | 598 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 4455 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 25 GARDENS SUB |
| Legal Subdivision | GARDENS SUB |
| Legal Lot Number | 25 |
| Jurisdiction | MIDLAND MI |
| Township / Civil Division | MIDLAND |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 290400 |
4455 Arbor Dr is owned and occupied by two individuals.
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 4455 ARBOR DR, MIDLAND, MI 48640-2671 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDLAND MI |
| Recording Date | Jun 15, 2026 |
| Property Address | 4455 ARBOR DR, MIDLAND, MI 48640-2671 |
| Document Number | 0000005761 |
| Instrument Date | Jun 10, 2026 |
| Instrument | 20265761 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 4455 ARBOR DR, MIDLAND, MI 48640-2671 |
| Document Number | 0000005761, |
|---|---|
| Date | Jun 15, 2026 |
| Instrument | 20265761 |
| Name | DOCO CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 25, 2056 |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
The 2025 property tax bill for 4455 Arbor Dr was $6,028 with a homeowner's exemption.
Source: Midland County assessment roll, as of August 4, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Midland County |
| Municipality | Midland City |
| Unified School District | Midland Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $189,900 | $379,800 | |
| 2025 | $6,028.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4455 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 |
|
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 4455 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.
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 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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