511 Morningside Dr, Midland, MI 48640 Property Records

Midland County property record for 511 Morningside Dr, Midland, MI 48640

Property Summary

Property Type	Condominium
Details	2 bd · 3 ba · 1,336 sqft · built 1988
Owner	Individual Name on File
Last Sale	$166,000 (Nov 2022)
Tax Bill	$2,023 (2022)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Jul 2021 Mortgage
Flood Zone	Zone AE (high risk)
APN	`14-04-40-314`

Property Details

APN / Parcel Number

Primary APN	`14-04-40-314`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Building Area	1,336 sqft Living Area
Basement Area	668 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Architectural Style	Ranch
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	140440314
Street Address	511 MORNINGSIDE DR
City	MIDLAND
State	MI
Zip	48640-2880
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RA4
Legal Description	UNIT 511 MORNINGSIDE L610P798-838, L615 P293-301 AS AMENDED L627 P854-865, P648 P529-544
Legal Subdivision	MORNINGSIDE CONDO
Jurisdiction	MIDLAND MI
Township / Civil Division	MIDLAND
Census Block Group	4
Census Block	4008
Census Tract	290900

Owner

511 Morningside Dr, a condominium, is owned and occupied by an individual who bought it in November 2022.

Source: Midland County records, as of June 19, 2023

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	4909 HIDDEN PINES CT, MIDLAND, MI 48640-2803
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2022	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jul 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage 1ST STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 9, 2022 · Amount on File
Deed Sale	Nov 9, 2022 · Amount on File
Prior Sale	Oct 31, 2014 · Amount on File
Deed Document Number	0001661456
Deed Book / Page	1661 / 456
Record Updated	Jun 7, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Nov 9, 2022
Property Address	511 MORNINGSIDE DR, MIDLAND, MI 48640-2880
Document Number	001661/456
Book / Page	1661 / 456
Map Reference	LB 610 PG 798
Instrument Date	Nov 7, 2022
Transaction Type	Transfer
Record Updated	Nov 22, 2022
Title Company	DIVERSIFIED NATIONAL TITLE AGENCY, DIVERSIFIED NATL TTL AGCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,245.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	511 MORNINGSIDE DR, 511, MIDLAND, MI 48640-2880

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4909 HIDDEN PINES CT, MIDLAND, MI 48640-2803

Mortgage

Document Number	0001661457
Date	Nov 9, 2022
Instrument	1661/457

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Property Address	511 MORNINGSIDE DR, MIDLAND, MI 48640-2880
Transaction Type	Mortgage
Record Updated	Jul 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 MORNINGSIDE DR, MIDLAND, MI 48640-2880

Mortgage

Document Number	1647/829
Date	Jul 9, 2021
Book Page	1647/829

Lender

Name	1ST STATE BANK
Type	Bank
Address	SAGINAW, MI 48605

Agreement

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

Tax Assessment & Valuation

Source: Midland County assessment roll, as of March 1, 2023

Property Jurisdictions

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

Flood

FEMA maps place 511 Morningside Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective February 3, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Claims	3 (1986–2017)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Jun 2017 · Severe Storms And Flooding
Claims by Event	Severe Storms & Flooding, Sep 1986 · 2 claims

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

The area around 511 Morningside Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 366 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
AT&T DSL	100 / 20

May also be available: Omni Fiber, Ripple Fiber, T-Mobile.

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