2223 E el Rancho Dr, Midland, MI 48642 Property Records

Midland County property record for 2223 E el Rancho Dr, Midland, MI 48642

Property Summary

Property Type	Single Family Home
Details	4 ba · 4,269 sqft · built 2010
Lot Size	2.3 acres (100,188 sqft)
Owner	2 Individual Names on File
Last Sale	$693,000 (Dec 2022)
Tax Bill	$9,506 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Dec 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`090-161-500-021-00`

Property Details

APN / Parcel Number

Primary APN	`090-161-500-021-00`

Interior

Full Baths	4 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	4,269 sqft Living Area
1st Floor Area	2,142 sqft
Basement Area	2,142 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Lot Area	100,188 sqft (2.3 acres)
Lot Dimensions	223 ft deep x 195 ft wide
Garage Area	862 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2223 E EL RANCHO DR
City	MIDLAND
State	MI
Zip	48642-8865
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	T15N R2E LOTS 2 & 3 EL RANCHO ESTATES NO 1. EXC COM AT NW /C OF LOT 2, TH S 41D47M E 261.74 FT TO SW/C OF LOT 2, E 19.39 FT
Legal Subdivision	EL RANCHO ESTATES
Legal Lot Number	2-3
Jurisdiction	MIDLAND MI
Township / Civil Division	LARKIN
Census Block Group	3
Census Block	3007
Census Tract	291104

Owner

2223 E el Rancho Dr is owned and occupied by two individuals who bought it in December 2022.

Source: Midland County records, as of August 4, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	2223 E EL RANCHO DR, MIDLAND, MI 48642-8865
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2024	Deed of Trust, Mortgage · Line of Credit THE STATE BANK
Dec 1, 2022	Warranty Deed, Transfer · Conventional Mortgage THE STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2022 · Amount on File
Deed Sale	Dec 1, 2022 · Amount on File
Prior Sale	Jun 1, 2005 · Amount on File
Deed Book / Page	1661 / 1098
Record Updated	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Property Address	2223 E EL RANCHO DR, MIDLAND, MI 48642-8865
Transaction Type	Mortgage
Record Updated	Feb 29, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2223 E EL RANCHO DR, MIDLAND, MI 48642-8865

Mortgage

Document Number	001670/467
Date	Feb 6, 2024
Book Page	1670/467

Lender

Name	THE STATE BANK
Type	Bank
Address	FENTON, MI 48430

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Dec 1, 2022
Property Address	2223 E EL RANCHO DR, MIDLAND, MI 48642-8865
Document Number	01661/1098
Book / Page	1661 / 1098
Map Reference	LB O PG 62
Instrument Date	Nov 29, 2022
Transaction Type	Transfer
Record Updated	Dec 9, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,197.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2223 F EL RANCLIO DR, 2223, MIDLAND, MI 48642

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6467 CRANBERRY DR, HOLLY, MI 48442-8441

Mortgage

Document Number	0016611125
Date	Dec 1, 2022
Instrument	1661/1125

Lender

Name	THE STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Dec 1, 2029
Change Frequency	Annually
Min Rate At Change	3.12%
Max Rate At Change	7.12%
Index	1-Year T-Bill
Max Rate	11.1%

Tax Assessment & Valuation

The 2025 property tax bill for 2223 E el Rancho Dr was $9,506 with a homeowner's exemption.

Source: Midland County assessment roll, as of August 4, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Midland County
County Subdivision	Larkin Charter Township
Unified School District	Midland Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$389,200	$778,400
2025	$9,506.00

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

Flood

FEMA maps place 2223 E el Rancho Dr in Zone X, an area of minimal flood risk.

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
Nearby Flood Policies	4 in force

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 2223 E el Rancho Dr 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 84 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
AT&T DSL	100 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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