521 N Rustic Dr, Midland, MI 48640 Property Records

Midland County property record for 521 N Rustic Dr, Midland, MI 48640

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,486 sqft · built 1956
Lot Size	2.4 acres (104,544 sqft)
Owner	2 Individual Names on Record
Last Sale	$205,000 (Aug 2023)
Tax Bill	$2,930 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`040-875-500-490-00`

Property Details

APN / Parcel Number

Primary APN	`040-875-500-490-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,486 sqft Living Area
1st Floor Area	1,486 sqft
Basement Area	1,268 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Exterior Material	Brick
Lot Area	104,544 sqft (2.4 acres)
Lot Width	433 ft Width
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	521 N RUSTIC DR
City	MIDLAND
State	MI
Zip	48640-8625
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T14N R1E LOT 49 WILDWOOD SUB NO 1.
Legal Subdivision	WILDWOOD SUB
Legal Lot Number	49
Jurisdiction	MIDLAND MI
Township / Civil Division	HOMER
Census Block Group	1
Census Block	1030
Census Tract	291200

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	521 N RUSTIC DR, MIDLAND, MI 48640-8625
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 17, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2023 · Amount on Record
Deed Sale	Aug 17, 2023 · Amount on Record
Deed Book / Page	1667 / 38
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Property Address	521 N RUSTIC DR, MIDLAND, MI 48640-8625
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 N RUSTIC DR, MIDLAND, MI 48640-8625

Mortgage

Document Number	2026R02809
Date	Mar 19, 2026
Instrument	2026R-02809

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Aug 17, 2023
Property Address	521 N RUSTIC DR, MIDLAND, MI 48640-8625
Document Number	0001667/38
Book / Page	1667 / 38
Map Reference	LB D PG 33
Instrument Date	Aug 16, 2023
Transaction Type	Transfer
Record Updated	Sep 5, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,537.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12522 N NINE MILE RD UNIT 35, 35, NINE MILE FALLS, WA 99026-0742

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1266 E OLSON RD, MIDLAND, MI 48640-8610

Mortgage

Document Number	0000166739
Date	Aug 17, 2023
Instrument	1667/39

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Midland County
County Subdivision	Homer Township
Unified School District	Midland Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$109,100 (+3.61%)	$218,200 (+3.61%)
2025	$2,930.00 Homeowner's exemption	$105,300 (+22.73%)	$210,600 (+22.73%)
2024	$2,930.00 (+35.65%)
2023		$85,800	$171,600
2022	$2,160.00

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.

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	7 in force
Nearby Flood Claims	7 (2017–2020)
Most Recent Claim	May 2020 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2020 · 7 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

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	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50

May also be available: Verizon.

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