512 Townsend St, Midland, MI 48640 Property Records

Midland County property record for 512 Townsend St, Midland, MI 48640

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,154 sqft · built 1931
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$137,500 (Jun 2026)
Tax Bill	$3,436 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jun 2026 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`14-16-50-120`

Property Details

APN / Parcel Number

Primary APN	`14-16-50-120`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,154 sqft Living Area
1st Floor Area	1,603 sqft
Basement Area	1,395 sqft
Unfinished Basement	1,395 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1931
Effective Year Built	Effective 1931
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	60 ft deep x 120 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	512 TOWNSEND ST
City	MIDLAND
State	MI
Zip	48640-5268
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB
Legal Description	BEG AT N COR OF LOT 4 BLK 59 CARPENTERS DIV SW 120 FT, SE 120 FT, NE 60 FT, NW 54 FT, NE 30 FT, NW 12 FT, NE 30 FT, NW 54 FT
Legal Subdivision	CARPENTERS DIV
Legal Block	59
Legal Lot Number	4
Jurisdiction	MIDLAND MI
Township / Civil Division	MIDLAND
Census Block Group	3
Census Block	3039
Census Tract	290100

Owner

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	5711 SUMMERSET DR, MIDLAND, MI 48640-2949
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2026	Warranty Deed, Transfer · Conventional Mortgage DOCO CREDIT UNION
Jun 4, 2026	Warranty Deed, Transfer · Conventional Mortgage UNION CREDIT UNION
Jun 4, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Dec 15, 2023	Land Contract, Transfer
Nov 6, 2023	Warranty Deed, Transfer ISLAND TITLE AGENCY LLC, MIDLAND TITLE AGENCY LLC
Jun 3, 2008	Deed, Transfer CITIZENS FIRST MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2026 · Amount on Record
Deed Sale	Jun 4, 2026 · Amount on Record
Prior Sale	Nov 6, 2023 · Amount on Record
Deed Document Number	20265364
Deed Book / Page	2026 / 5364
Prior Transfer Date	Nov 13, 2008
Prior Transfer Doc	1448/1490
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Jun 4, 2026
Property Address	512 TOWNSEND ST, MIDLAND, MI 48640-5268
Document Number	0000005364
Book / Page	2026 / 5364
Instrument Date	May 20, 2026
Instrument	20265364
Transaction Type	Transfer
Record Updated	Jun 17, 2026
Title Company	MIDLAND TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$104,156.25
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	5711 SUMMERSET DR, MIDLAND, MI 48640-2949

Mortgage

Document Number	0000005365,
Date	Jun 4, 2026
Instrument	20265365

Lender

Name	DOCO CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Jun 4, 2026
Property Address	512 TOWNSEND ST, MIDLAND, MI 48640-5268
Document Number	2026R05364
Book / Page	2026 / 5364
Instrument Date	May 20, 2026
Instrument	20265364
Transaction Type	Transfer
Record Updated	Aug 26, 2026
Title Company	MIDLAND TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$104,156.25
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	5711 SUMMERSET DR, MIDLAND, MI 48640-2949

Mortgage

Document Number	0000005365,
Date	Jun 4, 2026
Instrument	20265365

Lender

Name	UNION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

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

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MIDLAND MI
Recording Date	Jun 4, 2026
Property Address	512 TOWNSEND ST, MIDLAND, MI 48640-5268
Document Number	0000005363
Book / Page	2026 / 5363
Instrument Date	Apr 7, 2026
Instrument	20265363
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

December 2023: Land Contract, Transfer

Document Type	Land Contract
Jurisdiction	MIDLAND MI
Recording Date	Dec 15, 2023
Property Address	512 TOWNSEND ST, MIDLAND, MI 48640-5268
Document Number	001669/592
Book / Page	1669 / 592
Instrument Date	Dec 15, 2023
Transaction Type	Transfer
Record Updated	Jan 2, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 5856, SAGINAW, MI 48603-0856

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 TOWNSEND ST, MIDLAND, MI 48640-5268

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Nov 6, 2023
Property Address	512 TOWNSEND ST, MIDLAND, MI 48640-5268
Document Number	001668/992
Book / Page	1668 / 992
Instrument Date	Nov 2, 2023
Transaction Type	Transfer
Record Updated	Dec 11, 2023
Title Company	ISLAND TITLE AGENCY LLC, MIDLAND TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Tax	$862.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	347 E BANNERSTONE CT, MIDLAND, MI 48640-8224

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 5856, SAGINAW, MI 48603-0856

June 2008: Deed, Transfer

Document Type	Deed
Jurisdiction	MIDLAND MI
Recording Date	Jun 3, 2008
Property Address	512 TOWNSEND ST, MIDLAND, MI 48640-5268
Document Number	1433/1119
Book / Page	1433 / 1119
Instrument Date	May 23, 2008
Transaction Type	Transfer
Record Updated	May 18, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2711 N HASKELL AVE STE 900, 2711, DALLAS, TX 75204-2915

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 COTTONWOOD TRL, SPARTA, NJ 07871-3475

Mortgage

Document Number	01433/1121
Date	Jun 3, 2008
Book Page	1433/1121

Lender

Name	CITIZENS FIRST MORTGAGE LLC
Address	525 WATER ST, PORT HURON, MI 48060

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2023

Tax Assessment & Valuation

Source: Midland County assessment roll, as of August 4, 2026

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
2026		$108,900 (+10.9%)	$217,800 (+10.9%)
2025	$3,436.00 (+1.03%) Homeowner's exemption	$98,200 (+32.35%)	$196,400 (+32.35%)
2024	$3,401.00 (+12.95%)
2023		$74,200	$148,400
2022	$3,011.00

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

Flood

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	2 in force
Nearby Flood Claims	1 (1996)
Most Recent Claim	Jun 1996 · 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.

Wildfire

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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