604 W Larkin St, Midland, MI 48640 Property Records

Midland County property record for 604 W Larkin St, Midland, MI 48640

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,591 sqft · built 1900
Lot Size	0.189 acres (8,276 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (Jul 2023)
Tax Bill	$2,782 (2022)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Feb 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-17-30-154`

Property Details

APN / Parcel Number

Primary APN	`14-17-30-154`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,591 sqft Living Area
Basement Area	975 sqft

Exterior

Year Built	Built 1900
Lot Area	8,276 sqft (0.189 acres)
Lot Dimensions	120 ft deep x 70 ft wide
Garage Area	352 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	141730154
Street Address	604 W LARKIN ST
City	MIDLAND
State	MI
Zip	48640-4233
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA1
Legal Description	SE 10 FT OF LOT 7 & ALL LOT 8 BLK 85 ORIG PLAT OF MIDLAND LIFE ESTATE OF OLIVE M ADAMS
Legal Subdivision	ORIGINAL OF MIDLAND
Legal Block	85
Legal Lot Number	7-8
Jurisdiction	MIDLAND MI
Township / Civil Division	MIDLAND
Census Block Group	1
Census Block	1041
Census Tract	290400

Owner

604 W Larkin St is owned by an individual who bought it in July 2023.

Source: Midland County records, as of July 31, 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
Mailing Address	2312 ORMOND BLVD, DESTREHAN, LA 70047-2102
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 11, 2023	Warranty Deed, Transfer · Conventional Mortgage DOW CU
Feb 7, 2023	Deed of Trust, Mortgage · Commercial Mortgage 1ST STATE BANK
Jun 14, 2022	Warranty Deed, Transfer · Conventional Mortgage 1ST STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 11, 2023 · Amount on File
Deed Sale	Jul 11, 2023 · Amount on File
Prior Sale	Jun 14, 2022 · Amount on File
Deed Document Number	0001666268
Deed Book / Page	1666 / 268
Record Updated	Jun 7, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Jul 11, 2023
Property Address	604 W LARKIN ST, MIDLAND, MI 48640-4233
Document Number	001666/268
Book / Page	1666 / 268
Map Reference	LB A PG 1&2
Instrument Date	Jul 10, 2023
Transaction Type	Transfer
Record Updated	Aug 1, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,687.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	604 W LARKIN ST, MIDLAND, MI 48640-4233

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2312 ORMOND BLVD, DESTREHAN, LA 70047-2102

Mortgage

Document Number	0001666269
Date	Jul 11, 2023
Instrument	1666/269

Lender

Name	DOW CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2038

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Property Address	604 W LARKIN ST, MIDLAND, MI 48640-4233
Transaction Type	Mortgage
Record Updated	Feb 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 W LARKIN ST, MIDLAND, MI 48640-4233

Mortgage

Document Number	01662/1309
Date	Feb 7, 2023
Book Page	1662/1309

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Jun 14, 2022
Property Address	604 W LARKIN ST, MIDLAND, MI 48640-4233
Document Number	01657/1032
Book / Page	1657 / 1032
Map Reference	LB A PG 1&2
Instrument Date	Jun 6, 2022
Transaction Type	Transfer
Record Updated	Jul 1, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$780.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2411 DILLOWAY DR, 2411, MIDLAND, MI 48640-6774

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 W LARKIN ST, MIDLAND, MI 48640-4233

Mortgage

Document Number	0016571033
Date	Jun 14, 2022
Instrument	1657/1033

Lender

Name	1ST STATE BANK
Type	Bank

Agreement

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

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023		$87,100	$174,200
2022	$2,782.00

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

FEMA maps place 604 W Larkin St in Zone X, an area of minimal flood risk, though there have been 195 flood claims nearby since 1986.

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
Flood Insurance Cost	Premium on File median of 48 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	58 units insured incl. 10 condo units
Nearby Flood Claims	195 (1986–2026)
Claims Outside the SFHA	2 of 195
Most Recent Claim	Apr 2026 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, May 2020 · 165 claims Flooding, Apr 2013 · 4 claims Severe Storms & Flooding, Sep 1986 · 16 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

Wildfire risk around 604 W Larkin St is low, with less than 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 99.1% of the US · lower than 98.4% of Michigan
Wildfire Likelihood	Under 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 203 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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