615 Smith Rd, Midland, MI 48640 Property Records

Midland County property record for 615 Smith Rd, Midland, MI 48640

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,072 sqft · built 1952
Lot Size	0.189 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Feb 2024)
Tax Bill	$1,896 (2022)
Deeds & Mortgages	Feb 2024 Sale & Mortgage May 2017 Sale
Flood Zone	Zone X (moderate risk)
APN	`14-18-50-100`

Property Details

APN / Parcel Number

Primary APN	`14-18-50-100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,072 sqft Living Area
Basement Area	1,072 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Architectural Style	Ranch
Lot Area	8,276 sqft (0.189 acres)
Lot Dimensions	117 ft deep x 69 ft wide
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	141850100
Street Address	615 SMITH RD
City	MIDLAND
State	MI
Zip	48640-4161
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA1
Legal Description	LOT 158 CONES SUB
Legal Subdivision	CONES SUB
Legal Lot Number	158
Jurisdiction	MIDLAND MI
Township / Civil Division	MIDLAND
Census Block Group	2
Census Block	2010
Census Tract	290400

Owner

Source: Midland County records, as of February 28, 2024

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3300 LILY CT, MIDLAND, MI 48642-7735
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2024	Warranty Deed, Transfer · FHA Mortgage HFG HOLDINGS INC
May 10, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 12, 2024 · Amount on Record
Deed Sale	Feb 12, 2024 · Amount on Record
Prior Sale	May 10, 2017 · Amount on Record
Deed Document Number	0001670569
Deed Book / Page	1670 / 569
Record Updated	Jun 7, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Feb 12, 2024
Property Address	615 SMITH RD, MIDLAND, MI 48640-4161
Document Number	001670/569
Book / Page	1670 / 569
Map Reference	LB A PG 112
Instrument Date	Feb 8, 2024
Transaction Type	Transfer
Record Updated	Feb 29, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,312.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11595 WALNUT AVE, GRANT, MI 49327-8754

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3300 LILY CT, MIDLAND, MI 48642-7735

Mortgage

Document Number	0001670570
Date	Feb 12, 2024
Instrument	1670/570

Lender

Name	HFG HOLDINGS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	May 10, 2017
Property Address	615 SMITH RD, MIDLAND, MI 48640-4161
Document Number	1605/1483
Book / Page	1605 / 1483
Map Reference	LB A PG 112
Instrument Date	May 9, 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	615 SMITH RD, 615, MIDLAND, MI 48640-4161

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3824 TODD ST, MIDLAND, MI 48642-5829

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		$49,800	$99,600
2022	$1,896.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 31 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	31 in force
Nearby Flood Claims	57 (1986–2020)
Claims Outside the SFHA	9 of 57
Most Recent Claim	May 2020 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2020 · 42 claims Flooding, Apr 2013 · 2 claims Severe Storms & Flooding, Sep 1986 · 9 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	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 230 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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