2240 E el Rancho Dr, Midland, MI 48642 Property Records

Midland County property record for 2240 E el Rancho Dr, Midland, MI 48642

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,974 sqft · built 1985
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on File
Last Sale	$288,000 (Nov 1997)
Tax Bill	$5,127 (2025)
Deeds & Mortgages	Jan 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`090-027-400-255-00`

Property Details

APN / Parcel Number

Primary APN	`090-027-400-255-00`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,974 sqft Living Area
1st Floor Area	1,974 sqft
Basement Area	1,974 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Ranch
Lot Area	217,800 sqft (5 acres)
Lot Dimensions	656 ft deep x 280 ft wide
Garage Area	1,794 sqft
Parking Spaces	6 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	2240 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	SEC 27 T15N R2E COM 3313.62 FT E OF W 1/4 COR, TH E 651.54 FT, S 390 FT, N 80D 22M W 661.37 FT, N 280 FT.
Legal Range	02E
Legal Township	15N
Legal Section	27
Jurisdiction	MIDLAND MI
Township / Civil Division	LARKIN
Census Block Group	3
Census Block	3000
Census Tract	291104

Owner

2240 E el Rancho Dr is owned and occupied by two individuals who bought it in November 1997.

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	414 COPPER LEAF CT, MIDLAND, MI 48642-8121
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 1997 · Amount on File
Deed Sale	Nov 14, 1997 · Amount on File
Prior Sale	Mar 1, 1985 · Amount on File
Deed Book / Page	852 / 478
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Property Address	2240 E EL RANCHO DR, MIDLAND, MI 48642-8865
Transaction Type	Mortgage
Record Updated	Jan 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2240 E EL RANCHO DR, MIDLAND, MI 48642-8865

Mortgage

Document Number	001653/273
Date	Jan 7, 2022
Book Page	1653/273

Lender

Name	HORIZON BANK
Type	Bank
Address	MICHIGAN CITY, IN 46360

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	298 Months
Due	Nov 15, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 2240 E el Rancho Dr was $5,127 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		$241,700	$483,400
2025	$5,127.00

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

Flood

FEMA maps place 2240 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 2240 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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