6014 Summerset Dr, Midland, MI 48640 Property Records

Midland County property record for 6014 Summerset Dr, Midland, MI 48640

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,173 sqft · built 2000
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,000 (Jun 2022)
Tax Bill	$7,601 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Jun 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`14-04-10-320`

Property Details

APN / Parcel Number

Primary APN	`14-04-10-320`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,173 sqft Living Area
1st Floor Area	1,530 sqft
Basement Area	1,448 sqft
Unfinished Basement	1,448 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Ranch
Lot Area	14,375 sqft (0.33 acres)
Lot Dimensions	158 ft deep x 90 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	6014 SUMMERSET DR
City	MIDLAND
State	MI
Zip	48640-2990
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-1
Legal Description	LOT 245 STERLING PARK SUBDIVISION #8
Legal Subdivision	STERLING PARK SUBDIVISION
Legal Lot Number	245
Jurisdiction	MIDLAND MI
Township / Civil Division	MIDLAND
Census Block Group	1
Census Block	1013
Census Tract	290901

Owner

Source: Midland County records, as of September 28, 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	6014 SUMMERSET DR, MIDLAND, MI 48640-2990
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2026	Deed of Trust, Mortgage · Line of Credit UNION CREDIT UNION
Jun 2, 2022	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Dec 1, 2020	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW COMMUNITY CAPITAL LLC
Mar 5, 2020	Warranty Deed, Transfer · FHA Mortgage ACADEMY MORTGAGE CORP
May 31, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2022 · Amount on Record
Deed Sale	Jun 2, 2022 · Amount on Record
Prior Sale	Mar 5, 2020 · Amount on Record
Deed Book / Page	1657 / 515
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Recording Date	Sep 14, 2026
Property Address	6014 SUMMERSET DR, MIDLAND, MI 48640-2990
Document Number	0000008818
Instrument Date	Sep 5, 2026
Instrument	20268818
Transaction Type	Mortgage
Record Updated	Sep 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6014 SUMMERSET DR, MIDLAND, MI 48640-2990

Mortgage

Document Number	0000008818,
Date	Sep 14, 2026
Instrument	20268818

Lender

Name	UNION CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Max Rate	-1%

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Jun 2, 2022
Property Address	6014 SUMMERSET DR, MIDLAND, MI 48640-2990
Document Number	001657/515
Book / Page	1657 / 515
Map Reference	LB O PG 9
Instrument Date	Jun 1, 2022
Transaction Type	Transfer
Record Updated	Jun 13, 2022
Title Company	DIVERSIFIED NATIONAL TITLE AGENCY, DIVERSIFIED NATL TTL AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,700.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6014 SUMMERSET DR, 6014, MIDLAND, MI 48640-2990

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2750 E MIER RD, MIDLAND, MI 48642-8325

Mortgage

Document Number	0001657516
Date	Jun 2, 2022
Instrument	1657/516

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Property Address	6014 SUMMERSET DR, MIDLAND, MI 48640-2990
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6014 SUMMERSET DR, MIDLAND, MI 48640-2990

Mortgage

Document Number	1640/69
Date	Dec 1, 2020
Book Page	1640/69

Lender

Name	LAKEVIEW COMMUNITY CAPITAL LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Mar 5, 2020
Property Address	6014 SUMMERSET DR, MIDLAND, MI 48640-2990
Document Number	1631/1061
Book / Page	1631 / 1061
Map Reference	LB O PG 9
Instrument Date	Feb 24, 2020
Transaction Type	Transfer
Record Updated	May 18, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,077.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6014 SUMMERSET DR, 6014, MIDLAND, MI 48640-2990

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	920 SADIE CT, MIDLAND, MI 48640-7271

Mortgage

Document Number	16311062
Date	Mar 5, 2020
Instrument	1631/1062

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	May 31, 2017
Property Address	6014 SUMMERSET DR, MIDLAND, MI 48640-2990
Document Number	1606/0651
Book / Page	1606 / 0651
Map Reference	LB O PG 9-13
Instrument Date	May 26, 2017
Transaction Type	Transfer
Record Updated	May 18, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4200 BRAMBLERIDGE LN, 4200, MIDLAND, MI 48640-2102

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3302 GREENWAY DR, MIDLAND, MI 48642-4088

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		$218,600	$437,200
2025	$7,601.00

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	4 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

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Ripple Fiber.

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