646 E Bradford Rd, Midland, MI 48640 Property Records

Midland County property record for 646 E Bradford Rd, Midland, MI 48640

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,174 sqft · built 1992
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on File
Last Sale	$495,000 (Nov 2021)
Tax Bill	$6,766 (2024)
Deeds & Mortgages	Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`140-010-200-000-00`

Property Details

APN / Parcel Number

Primary APN	`140-010-200-000-00`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	3,174 sqft Living Area
1st Floor Area	1,820 sqft
Basement Area	1,820 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Lot Area	435,600 sqft (10 acres)
Garage Area	912 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	646 E BRADFORD RD
City	MIDLAND
State	MI
Zip	48640-9526
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG/WD
Legal Description	SEC 10 T13N R1E COM 993 FT W OF N 1/4 COR, TH W 334.83 FT, S 1318.35 FT, E 336.69 FT, N 1318.3 FT.
Legal Range	01E
Legal Township	13N
Legal Section	10
Jurisdiction	MIDLAND MI
Township / Civil Division	MOUNT HALEY
Census Block Group	1
Census Block	1008
Census Tract	291300

Owner

646 E Bradford Rd is owned and occupied by two individuals who acquired it in July 2024.

Source: Midland County records, as of September 9, 2025

Owner of Record	2 Individual Names on File
Mailing Address	646 E BRADFORD RD, MIDLAND, MI 48640-9526
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Tenant

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2021 · Amount on File
Deed Sale	Nov 1, 2021 · Amount on File
Prior Sale	Mar 3, 1997 · Amount on File
Deed Book / Page	1651 / 347
Last Transfer Date	Jul 3, 2024
Transfer Doc	01673/1396
Record Updated	Jun 8, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Nov 1, 2021
Property Address	646 E BRADFORD RD, MIDLAND, MI 48640-9526
Document Number	1651/347
Book / Page	1651 / 347
Instrument Date	Oct 29, 2021
Transaction Type	Transfer
Record Updated	Nov 17, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,712.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	646 E BRADFORD RD, 646, MIDLAND, MI 48640-9526

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	703 NW 3RD AVE, GALVA, IL 61434-1009

Mortgage

Document Number	1651348
Date	Nov 1, 2021
Instrument	1651/348

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

Source: Midland County assessment roll, as of July 29, 2025

Property Jurisdictions

Type	Name
State	Michigan
County	Midland County
County Subdivision	Mount Haley Township
Unified School District	Merrill Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$265,000	$530,000
2024	$6,766.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 646 E Bradford Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 3, 2014

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 646 E Bradford Rd is low, with 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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on E Bradford Rd

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