4646 E Hubbard Rd, Midland, MI 48642 Property Records

Midland County property record for 4646 E Hubbard Rd, Midland, MI 48642

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,232 sqft · built 1905
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Sep 2026)
Tax Bill	$2,497 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Sep 2026 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`090-012-300-030-00`

Property Details

APN / Parcel Number

Primary APN	`090-012-300-030-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,232 sqft Living Area
1st Floor Area	1,232 sqft

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	117 ft deep x 146 ft wide
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4646 E HUBBARD RD
City	MIDLAND
State	MI
Zip	48642-9722
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	SEC 12 T15N R2E COM 1602 FT E OF W 1/4 COR, THE 146 FT, S 150 FT, W 146 FT, N 150 FT.
Legal Range	02E
Legal Township	15N
Legal Section	12
Jurisdiction	MIDLAND MI
Township / Civil Division	LARKIN
Census Block Group	3
Census Block	3023
Census Tract	291101

Owner

4646 E Hubbard Rd is owned and occupied by an individual who bought it in September 2026.

Source: Midland County records, as of October 12, 2026

Owner of Record	Individual Name on File
Mailing Address	206 MARY ST, O, CLARE, MI 48617-1073
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK
Sep 21, 2026	Warranty Deed, Transfer MIDLAND TITLE AGENCY
Apr 17, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2026 · Amount on File
Deed Sale	Sep 21, 2026 · Amount on File
Prior Sale	Apr 17, 2019 · Amount on File
Deed Document Number	20269117
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Recording Date	Sep 28, 2026
Property Address	4646 E HUBBARD RD, MIDLAND, MI 48642-9722
Document Number	0000009362
Instrument Date	Sep 18, 2026
Instrument	20269362
Transaction Type	Mortgage
Record Updated	Oct 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009362,
Date	Sep 28, 2026
Instrument	20269362

Lender

Name	FIRST STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Sep 21, 2026
Property Address	4646 E HUBBARD RD, MIDLAND, MI 48642-9722
Document Number	0000009117
Instrument Date	Sep 18, 2026
Instrument	20269117
Transaction Type	Transfer
Record Updated	Oct 2, 2026
Title Company	MIDLAND TITLE AGENCY

Transaction

Amount	Amount on Record
Tax	$151,500.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Apr 17, 2019
Property Address	4646 E HUBBARD RD, MIDLAND, MI 48642-9722
Document Number	01623/00952
Book / Page	01623 / 00952
Instrument Date	Apr 15, 2019
Instrument	01623-00952
Transaction Type	Transfer
Record Updated	May 18, 2021

Transaction

Amount	Amount on Record
Tax	$911.60
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5220 HEDGEWOOD DR APT 901, 901, MIDLAND, MI 48640-1960

Tax Assessment & Valuation

The 2025 property tax bill for 4646 E Hubbard Rd was $2,497 with a homeowner's exemption, down 2% 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	Larkin Charter Township
Unified School District	Midland Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$76,700 (-1.03%)	$153,400 (-1.03%)
2025	$2,497.00 (-2.04%) Homeowner's exemption	$77,500	$155,000
2024	$2,549.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 4646 E Hubbard Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 3, 2014

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 4646 E Hubbard 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 21 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on E Hubbard Rd

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