Arenac County property record for 513 Orchard St, Standish, MI 48658
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.57 acres (24,829 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $144,000 (Aug 2018) |
| Tax Bill | $3,176 (2025) |
| Deeds & Mortgages | Aug 2018 Mortgage Aug 2018 Sale & Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 040-2-000-001-190-00 |
| Primary APN | 040-2-000-001-190-00 |
|---|
| Lot Area | 24,829 sqft (0.57 acres) |
|---|---|
| Lot Dimensions | 172 ft deep x 164 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 513 ORCHARD ST |
|---|---|
| City | STANDISH |
| State | MI |
| Zip | 48658-9164 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LTS 1 & 2 BLK 1 ORCHARD LANE SUB |
| Legal Subdivision | ORCHARD LANE SUB |
| Legal Block | 1 |
| Legal Lot Number | 1-2 |
| Jurisdiction | ARENAC MI |
| Township / Civil Division | STANDISH |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 970500 |
513 Orchard St is owned and occupied by two individuals who bought it in August 2018.
Source: Arenac County records, as of May 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 513 ORCHARD ST, STANDISH, MI 48658-9164 |
| 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.
| Date | Document |
|---|---|
| Aug 24, 2018 | Deed of Trust, Mortgage INDEPENDENT BANK |
| Aug 24, 2018 | Warranty Deed, Transfer · Stand-Alone Refinance INDEPENDENT BANK |
| Aug 24, 2018 | Warranty Deed, Transfer · Stand-Alone First Mortgage INDEPENDENT BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 24, 2018 · Amount on File |
| Deed Sale | Aug 24, 2018 · Amount on File |
| Deed Document Number | 20182951 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ARENAC MI |
| Property Address | 513 ORCHARD ST, STANDISH, MI 48658-9164 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 201802952 |
|---|---|
| Date | Aug 24, 2018 |
| Instrument | 201802952 |
| Name | INDEPENDENT BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 353 Months |
| Due | Jan 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ARENAC MI |
| Recording Date | Aug 24, 2018 |
| Property Address | 513 ORCHARD ST, STANDISH, MI 48658-9164 |
| Document Number | 201802951 |
| Instrument Date | Aug 9, 2018 |
| Instrument | 201802951 |
| Transaction Type | Transfer |
| Record Updated | Feb 6, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 428 SPROLL ST, HEMLOCK, MI 48626-9356 |
| Investor | Possibly a Property Investor |
| Document Number | 201802951 |
|---|---|
| Date | Aug 24, 2018 |
| Instrument | 201802951 |
| Name | INDEPENDENT BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | Sep 1, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ARENAC MI |
| Recording Date | Aug 24, 2018 |
| Property Address | 513 ORCHARD ST, STANDISH, MI 48658-9164 |
| Document Number | 201802951 |
| Instrument Date | Aug 9, 2018 |
| Instrument | 201802951 |
| Transaction Type | Transfer |
| Record Updated | Jul 29, 2021 |
| Title Company | DIVERSIFIED NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 428 SPROLL ST, HEMLOCK, MI 48626-9356 |
| Investor | Possibly a Property Investor |
| Document Number | 201802952 |
|---|---|
| Date | Aug 24, 2018 |
| Instrument | 201802952 |
| Name | INDEPENDENT BANK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 513 Orchard St was $3,176 with a homeowner's exemption.
Source: Arenac County assessment roll, as of May 19, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Arenac County |
| Municipality | Standish City |
| Unified School District | Standish-Sterling Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $142,900 | $285,800 | |
| 2025 | $3,176.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 513 Orchard St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1996.
Source: FEMA National Flood Hazard Layer, effective June 15, 2022 · 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 | 2 in force |
| Nearby Flood Claims | 2 (1996–2005) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Jun 2005 · other causes |
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 risk around 513 Orchard St is low, with 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 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 STANDISH serves 1,509 people · EPA ID MI0006350 |
|---|---|
| Water Source | Purchased surface water from SAGINAW-MIDLAND WATER SUPPLY |
| Last State Inspection | Sep 2024 |
| Lead | 4 ppb (2021–2023) 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 285 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Point Broadband Fixed Wireless | 1,000 / 500 |
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