Midland County property record for 646 N Shady Ln, Midland, MI 48640
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,588 sqft · built 1991 |
| Lot Size | 2.2 acres (95,832 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $224,000 (Dec 2019) |
| Tax Bill | $3,137 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Dec 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 040-010-300-055-00 |
| Primary APN | 040-010-300-055-00 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,588 sqft Living Area |
| 1st Floor Area | 1,564 sqft |
| Basement Area | 1,564 sqft |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Lot Area | 95,832 sqft (2.2 acres) |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 646 N SHADY LN |
|---|---|
| City | MIDLAND |
| State | MI |
| Zip | 48640-8689 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SEC 10 T14N R1E COM AT NW COR LOT 15 OF WILDWOOD SUB, TH S 36D 52M W 396.64 FT, N 50D 23M W 277.88 FT, N 46D 15M E 130.04 FT, |
| Legal Range | 01E |
| Legal Township | 14N |
| Legal Section | 10 |
| Legal Subdivision | WILDWOOD SUB |
| Legal Lot Number | 15 |
| Jurisdiction | MIDLAND MI |
| Township / Civil Division | HOMER |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 291200 |
646 N Shady Ln is owned and occupied by two individuals who bought it in December 2019.
Source: Midland County records, as of August 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 646 N SHADY LN, MIDLAND, MI 48640-8689 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 5, 2021 | Deed of Trust, Mortgage QUICKEN LOANS LLC |
| Dec 9, 2019 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 9, 2019 · Amount on File |
| Deed Sale | Dec 9, 2019 · Amount on File |
| Prior Sale | Jul 1, 1990 · Amount on File |
| Deed Document Number | 20191629-00877 |
| Deed Book / Page | 1629 / 877 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDLAND MI |
| Property Address | 646 N SHADY LN, MIDLAND, MI 48640-8689 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2021 |
| Name | Verified Name |
|---|---|
| Address | 646 N SHADY LN, MIDLAND, MI 48640-8689 |
| Document Number | 1644/534 |
|---|---|
| Date | Apr 5, 2021 |
| Book Page | 1644/534 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Amount | Amount on Record |
|---|---|
| Term | 355 Months |
| Due | Nov 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MIDLAND MI |
| Recording Date | Dec 9, 2019 |
| Property Address | 646 N SHADY LN, MIDLAND, MI 48640-8689 |
| Document Number | 01629/00877 |
| Book / Page | 01629 / 00877 |
| Instrument Date | Dec 6, 2019 |
| Instrument | 01629-00877 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $1,926.40 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5365 MARSH RD, CHINA, MI 48054-3905 |
The 2025 property tax bill for 646 N Shady Ln was $3,137 with a homeowner's exemption.
Source: Midland County assessment roll, as of August 4, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Midland County |
| County Subdivision | Homer Township |
| Unified School District | Midland Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $138,300 | $276,600 | |
| 2025 | $3,137.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 646 N Shady Ln in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 100 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 |
|
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 risk around 646 N Shady Ln 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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.
5G (outdoors only) and 4G LTE
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