644 E Whitethorn Dr, Midland, MI 48640 Property Records

Midland County property record for 644 E Whitethorn Dr, Midland, MI 48640

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,240 sqft · built 1973
Lot Size	1.18 acres (51,401 sqft)
Owner	Individual Name on Record
Last Sale	$220,000 (May 2020)
Tax Bill	$3,084 (2025)
Deeds & Mortgages	Apr 2022 Transfer May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`040-875-500-411-00`

Property Details

APN / Parcel Number

Primary APN	`040-875-500-411-00`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,240 sqft Living Area
1st Floor Area	1,200 sqft
Basement Area	1,040 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Wood Siding
Lot Area	51,401 sqft (1.18 acres)
Garage Area	640 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	644 E WHITETHORN DR
City	MIDLAND
State	MI
Zip	48640-8626
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T14N R1E LOT 41 & 42 WILDWOOD SUB NO 1.
Legal Subdivision	WILDWOOD SUB
Legal Lot Number	41-42
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	Individual Name on Record
Mailing Address	644 E WHITETHORN DR, MIDLAND, MI 48640-8626
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2022	Intrafamily Transfer, Transfer
May 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
May 11, 2020	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 11, 2020 · Amount on Record
Deed Sale	May 11, 2020 · Amount on Record
Deed Book / Page	1633 / 837
Last Transfer Date	Apr 16, 2022
Transfer Doc	001656/464
Record Updated	Sep 20, 2026

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MIDLAND MI
Recording Date	Apr 21, 2022
Property Address	644 E WHITETHORN DR, MIDLAND, MI 48640-8626
Document Number	001656/464
Book / Page	1656 / 464
Instrument Date	Apr 16, 2022
Transaction Type	Transfer
Record Updated	May 6, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8204 STURGEON AVE, 8204, MIDLAND, MI 48642-8430

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 E WHITETHORN DR, MIDLAND, MI 48640-8626

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Property Address	644 E WHITETHORN DR, MIDLAND, MI 48640-8626
Transaction Type	Mortgage
Record Updated	May 18, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 E WHITETHORN DR, MIDLAND, MI 48640-8626

Mortgage

Document Number	1645/556
Date	May 4, 2021
Book Page	1645/556

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	May 11, 2020
Property Address	644 E WHITETHORN DR, MIDLAND, MI 48640-8626
Document Number	1633/837
Book / Page	1633 / 837
Map Reference	LB D PG 33
Instrument Date	May 6, 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	$1,650.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	644 E WHITETHORN DR, 644, MIDLAND, MI 48640-8626

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	644 E WHITETHORN DR, MIDLAND, MI 48640-8626

Mortgage

Document Number	001633/838
Date	May 11, 2020
Book Page	1633/838

Lender

Name	QUICKEN LOANS INC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

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		$125,300	$250,600
2025	$3,084.00

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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.

Cell Coverage

5G (outdoors only) and 4G LTE

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