Bay County property record for 4872 Joy Rd, Midland, MI 48642
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,340 sqft · built 1955 |
| Lot Size | 0.83 acres (36,155 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $165,000 (Sep 2022) |
| Tax Bill | $3,490 (2026) |
| Deeds & Mortgages | Sep 2022 Sale & Mortgage Apr 2022 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 140-019-400-070-00 |
| Primary APN | 140-019-400-070-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,340 sqft Living Area |
| 1st Floor Area | 1,340 sqft |
| Basement Area | 1,340 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Lot Area | 36,155 sqft (0.83 acres) |
| Lot Dimensions | 140 ft deep x 240 ft wide |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 4872 JOY RD |
|---|---|
| City | MIDLAND |
| State | MI |
| Zip | 48642-9252 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | E 140 FT OF W 240 FT OF S 260 FT OF N 500 FT OF NE 1/4 OF SE 1/4. SEC 19 T14N R3E |
| Legal Range | 03E |
| Legal Township | 14N |
| Legal Section | 19 |
| Jurisdiction | BAY MI |
| Township / Civil Division | WILLIAMS |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 285600 |
Source: Bay County records, as of May 18, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3363 AAGIMAAK ST, MOUNT PLEASANT, MI 48858-7359 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 7, 2022 | Warranty Deed, Transfer · FHA Mortgage KAYE FINANCIAL CORP |
| Apr 28, 2022 | Intrafamily Transfer, Transfer |
| Jun 12, 2018 | Loan Modification, Mortgage · Conventional Mortgage CHEMICAL BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 7, 2022 · Amount on Record |
| Deed Sale | Sep 7, 2022 · Amount on Record |
| Prior Sale | Oct 18, 1991 · Amount on Record |
| Deed Document Number | 202212748 |
| Prior Transfer Date | Apr 27, 2022 |
| Prior Transfer Doc | 0000006910 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Sep 7, 2022 |
| Property Address | 4872 JOY RD, MIDLAND, MI 48642-9252 |
| Document Number | 0000012748 |
| Instrument Date | Sep 6, 2022 |
| Instrument | 202212748 |
| Transaction Type | Transfer |
| Record Updated | Oct 10, 2022 |
| Title Company | CROSSROADS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,237.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4872 JOY RD, 4872, MIDLAND, MI 48642-9252 |
| Name | Verified Name |
|---|---|
| Address | 3363 AAGIMAAK ST, MOUNT PLEASANT, MI 48858-7359 |
| Document Number | 0000012749 |
|---|---|
| Date | Sep 7, 2022 |
| Instrument | 202212749 |
| Name | KAYE FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Apr 28, 2022 |
| Property Address | 4872 JOY RD, MIDLAND, MI 48642-9252 |
| Document Number | 0000006910 |
| Instrument Date | Apr 27, 2022 |
| Instrument | 202206910 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4872 JOY RD, 4872, MIDLAND, MI 48642-9252 |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 4872 JOY RD, MIDLAND, MI 48642-9252 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 4872 JOY RD, MIDLAND, MI 48642-9252 |
| Document Number | 0000009276 |
| Instrument Date | Jun 12, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4872 JOY RD MIDLAND MI 486429252, MIDLAND, MI 48642-9252 |
| Document Number | 0000009276 |
|---|---|
| Date | Jul 5, 2018 |
| Instrument | 9276 |
| Name | CHEMICAL BK |
|---|---|
| Type | Bank |
| Address | MIDLAND, MI 48640 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Bay County assessment roll, as of May 18, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Bay County |
| County Subdivision | Williams Charter Township |
| Unified School District | Bay City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,490.00 (+60.76%) Homeowner's exemption | $109,850 (+37.48%) | $219,700 (+37.48%) |
| 2023 | $79,900 | $159,800 | |
| 2022 | $2,171.00 |
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.
Source: FEMA National Flood Hazard Layer, effective February 17, 2026
| 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.
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 | 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 60 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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