649 S Grey Rd, Midland, MI 48640 Property Records

Midland County property record for 649 S Grey Rd, Midland, MI 48640

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,650 sqft · built 1991
Lot Size	0.75 acres (32,670 sqft)
Owner	Individual Name on File
Last Sale	$228,000 (Sep 2023)
Tax Bill	$2,188 (2022)
Deeds & Mortgages	Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`120-030-100-150-00`

Property Details

APN / Parcel Number

Primary APN	`120-030-100-150-00`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	1,650 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Architectural Style	Ranch
Lot Area	32,670 sqft (0.75 acres)
Lot Dimensions	231 ft deep x 123 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	12003010015000
Street Address	649 S GREY RD
City	MIDLAND
State	MI
Zip	48640-8953
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	SEC 30 T14N R2E COM 123.75 FT S OF NW COR OF SW 1/4 OF NE 1/4, TH E 264 FT, S 123.75 FT, W 264 FT, N 123.75 FT.
Legal Range	02E
Legal Township	14N
Legal Section	30
Jurisdiction	MIDLAND MI
Township / Civil Division	MIDLAND
Census Block Group	1
Census Block	1037
Census Tract	290500

Owner

649 S Grey Rd is owned and occupied by an individual who bought it in September 2023.

Source: Midland County records, as of October 2, 2023

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2909 DINA ST, MIDLAND, MI 48642-4728
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2023 · Amount on File
Deed Sale	Sep 14, 2023 · Amount on File
Prior Sale	Nov 17, 2015 · Amount on File
Deed Document Number	0001667914
Deed Book / Page	1667 / 914
Record Updated	Jun 7, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Sep 14, 2023
Property Address	649 S GREY RD, MIDLAND, MI 48640-8953
Document Number	001667/914
Book / Page	1667 / 914
Instrument Date	Sep 13, 2023
Transaction Type	Transfer
Record Updated	Oct 3, 2023
Title Company	TITLE SOLUTIONS AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,710.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	649 S GREY RD, MIDLAND, MI 48640-8953

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2909 DINA ST, MIDLAND, MI 48642-4728

Mortgage

Document Number	0001667915
Date	Sep 14, 2023
Instrument	1667/915

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

Tax Assessment & Valuation

Source: Midland County assessment roll, as of March 1, 2023

Property Jurisdictions

Type	Name
State	Michigan
County	Midland County
County Subdivision	Midland Charter Township
Unified School District	Bullock Creek School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023		$87,600	$175,200
2022	$2,188.00

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 649 S Grey Rd in Zone X, an area of minimal flood risk, though there have been 48 flood claims nearby since 1982.

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	48 (1982–2020)
Claims Outside the SFHA	4 of 48
Most Recent Claim	May 2020 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2020 · 7 claims Flooding, Apr 2013 · 3 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 649 S Grey Rd 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 94% of the US · lower than 85% 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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35