Midland County property record for 470 E Bannerstone Ct, Midland, MI 48640
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,502 sqft · built 1996 |
| Lot Size | 1.37 acres (59,677 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $187,500 (Aug 2013) |
| Tax Bill | $4,192 (2025) |
| Deeds & Mortgages | Jan 2026 Transfer Feb 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 040-860-500-125-00 |
| Primary APN | 040-860-500-125-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,502 sqft Living Area |
| 1st Floor Area | 1,627 sqft |
| Basement Area | 1,627 sqft |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Lot Area | 59,677 sqft (1.37 acres) |
| Garage Area | 638 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 470 E BANNERSTONE CT |
|---|---|
| City | MIDLAND |
| State | MI |
| Zip | 48640-8229 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | T14N R1E LOT 12 WESTWOOD SUB. EXC COM AT SE COR OF LOT 12, TH N 88D 15M W 224.25 FT, N 1D 36M E 1.5 FT, S 87D 52M E 224.26 |
| Legal Subdivision | WESTWOOD SUB |
| Legal Lot Number | 12 |
| Jurisdiction | MIDLAND MI |
| Township / Civil Division | HOMER |
| Census Block Group | 4 |
| Census Block | 4019 |
| Census Tract | 291200 |
Source: Midland County records, as of August 4, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 470 E BANNERSTONE CT, MIDLAND, MI 48640-8229 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Jan 22, 2026 | Intrafamily Transfer, Transfer |
| Feb 5, 2021 | Deed of Trust, Mortgage · Line of Credit DOW CHEMICAL EMPLOYEES CU |
| Mar 30, 2020 | Deed of Trust, Mortgage DOW CHEMICAL EMPLOYEES CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 8, 2013 · Amount on Record |
| Deed Sale | Aug 8, 2013 · Amount on Record |
| Deed Book / Page | 1569 / 408 |
| Prior Transfer Date | Nov 16, 2011 |
| Prior Transfer Doc | 1566/1397 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MIDLAND MI |
| Recording Date | Jan 22, 2026 |
| Property Address | 470 E BANNERSTONE CT, MIDLAND, MI 48640-8229 |
| Document Number | 2026R00705 |
| Instrument Date | Jan 15, 2026 |
| Instrument | 2026R-00705 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 470 E BANNERSTONE CT, MIDLAND, MI 48640-8229 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 4105 RODEN DR NE, FORT PAYNE, AL 35967-7839 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDLAND MI |
| Property Address | 470 E BANNERSTONE CT, MIDLAND, MI 48640-8229 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 470 E BANNERSTONE CT, MIDLAND, MI 48640-8229 |
| Document Number | 1642/327 |
|---|---|
| Date | Feb 5, 2021 |
| Book Page | 1642/327 |
| Name | DOW CHEMICAL EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | MIDLAND, MI 48641 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDLAND MI |
| Property Address | 470 E BANNERSTONE CT, MIDLAND, MI 48640-8229 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1632/814 |
|---|---|
| Date | Mar 30, 2020 |
| Book Page | 1632/814 |
| Name | DOW CHEMICAL EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | MIDLAND, MI 48641 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Mar 23, 2035 |
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 | $179,500 (+3.52%) | $359,000 (+3.52%) | |
| 2025 | $4,192.00 (+6.02%) Homeowner's exemption | $173,400 | $346,800 |
| 2024 | $3,954.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 5 in force |
| Nearby Flood Claims | 2 (1986–2017) |
| Most Recent Claim | Jun 2017 · Severe Storms And Flooding |
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.
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.
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 35 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
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