Midland County property record for 4510 James Dr, Midland, MI 48642
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,864 sqft · built 1962 |
| Lot Size | 0.37 acres (16,117 sqft) |
| Owner | Individual Name on File |
| Last Sale | $292,500 (Dec 2024) |
| Tax Bill | $4,041 (2024) |
| Deeds & Mortgages | Jun 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-10-10-552 |
| Primary APN | 14-10-10-552 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,864 sqft Living Area |
| 1st Floor Area | 1,469 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Bi-Level |
| Lot Area | 16,117 sqft (0.37 acres) |
| Lot Dimensions | 160 ft deep x 100 ft wide |
| Garage Area | 592 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4510 JAMES DR |
|---|---|
| City | MIDLAND |
| State | MI |
| Zip | 48642-3782 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA-1 |
| Legal Description | LOT 46 MATTES SUB NO 2 |
| Legal Subdivision | MATTES SUB |
| Legal Lot Number | 46 |
| Jurisdiction | MIDLAND MI |
| Township / Civil Division | MIDLAND |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 290800 |
4510 James Dr is owned and occupied by an individual who bought it in December 2024.
Source: Midland County records, as of June 15, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2007 SYLVAN LN, MIDLAND, MI 48640-2539 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Man, Separate Property |
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 |
|---|---|
| Last Sale | Dec 10, 2024 · Amount on File |
| Deed Sale | Dec 10, 2024 · Amount on File |
| Deed Book / Page | 1676 / 1297 |
| Prior Transfer Date | Aug 20, 2015 |
| Prior Transfer Doc | 1589/1153 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDLAND MI |
| Recording Date | Jun 1, 2026 |
| Property Address | 4510 JAMES DR, MIDLAND, MI 48642-3782 |
| Document Number | 0000005221 |
| Book / Page | 2026 / 5221 |
| Instrument Date | Mar 30, 2026 |
| Instrument | 20265221 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 4510 JAMES DR, MIDLAND, MI 48642-3782 |
| Document Number | 0000005221, |
|---|---|
| Date | Jun 1, 2026 |
| Book Page | 2026/5221 |
| Instrument | 20265221 |
| Name | SECRETARY OF HOUSING AND URBAN DEVELOPMEN |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
Source: Midland County assessment roll, as of July 29, 2025
| 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 |
|---|---|---|---|
| 2025 | $164,200 | $328,400 | |
| 2024 | $4,041.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4510 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 risk around 4510 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 99.1% of the US · lower than 98.4% 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.
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 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 |
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