4901 Harding St, Midland, MI 48642 Property Records

Midland County property record for 4901 Harding St, Midland, MI 48642

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,026 sqft · built 1957
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Last Sale	$160,200 (Sep 2021)
Tax Bill	$2,956 (2024)
Deeds & Mortgages	Sep 2021 Sale & Mortgage May 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`14-03-50-200`

Property Details

APN / Parcel Number

Primary APN	`14-03-50-200`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,026 sqft Living Area
1st Floor Area	1,026 sqft
Basement Area	1,026 sqft
Unfinished Basement	1,026 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Ranch
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	140 ft deep x 86 ft wide
Garage Area	765 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4901 HARDING ST
City	MIDLAND
State	MI
Zip	48642-3024
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-1
Legal Description	LOT 28 JEFFERSON ACRES SUB
Legal Subdivision	JEFFERSON ACRES SUB
Legal Lot Number	28
Jurisdiction	MIDLAND MI
Township / Civil Division	MIDLAND
Census Block Group	3
Census Block	3009
Census Tract	290902

Owner

4901 Harding St is owned and occupied by an individual who bought it in September 2021.

Source: Midland County records, as of June 2, 2026

Owner of Record	Individual Name on File
Mailing Address	4901 HARDING ST, MIDLAND, MI 48642-3024
Occupancy	Owner Occupied
Owner Type	Individual

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 24, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK
May 4, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2021 · Amount on File
Deed Sale	Sep 24, 2021 · Amount on File
Prior Sale	May 4, 2018 · Amount on File
Deed Document Number	2021
Deed Book / Page	1649 / 1483
Record Updated	Sep 20, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Sep 24, 2021
Property Address	4901 HARDING ST, MIDLAND, MI 48642-3024
Document Number	1649/1483
Book / Page	1649 / 1483
Map Reference	LB D PG 4
Instrument Date	Sep 22, 2021
Transaction Type	Transfer
Record Updated	Oct 1, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,203.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4901 HARDING ST, 4901, MIDLAND, MI 48642-3024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24768 THOMAS ST, WARREN, MI 48091-5851

Mortgage

Document Number	16491484
Date	Sep 24, 2021
Instrument	1649/1484

Lender

Name	FIRST STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	May 4, 2018
Property Address	4901 HARDING ST, MIDLAND, MI 48642-3024
Document Number	1615/0012
Book / Page	1615 / 0012
Instrument Date	Apr 23, 2018
Transaction Type	Transfer
Record Updated	May 18, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2616 CHAPEL DR, GRAND BLANC, MI 48439

Tax Assessment & Valuation

Source: Midland County assessment roll, as of July 29, 2025

Property Jurisdictions

Type	Name
State	Michigan
County	Midland County
Municipality	Midland City
Unified School District	Midland Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$97,100	$194,200
2024	$2,956.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4901 Harding St in Zone X, an area of minimal flood risk.

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	1 in force

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

Wildfire risk around 4901 Harding St 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.

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

Provider	Max Down / Up (Mbps)
Ripple Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Omni Fiber.

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