3116 E Lois Ave, Midland, MI 48640 Property Records

Midland County property record for 3116 E Lois Ave, Midland, MI 48640

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,381 sqft · built 1972
Lot Size	0.469 acres (20,473 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Feb 2024)
Tax Bill	$2,160 (2022)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Dec 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`120-750-500-400-00`

Property Details

APN / Parcel Number

Primary APN	`120-750-500-400-00`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,381 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Architectural Style	Ranch
Lot Area	20,473 sqft (0.469 acres)
Lot Width	110 ft Width
Garage Area	625 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	12075050040000
Street Address	3116 E LOIS AVE
City	MIDLAND
State	MI
Zip	48640-8928
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	T14N R2E LOT 40 TIS-LAND SUB NO 1.
Legal Subdivision	TIS-LAND SUB
Legal Lot Number	40
Jurisdiction	MIDLAND MI
Township / Civil Division	MIDLAND
Census Block Group	1
Census Block	1032
Census Tract	290500

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	1707 S PATTERSON RD, MIDLAND, MI 48640-8562
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2024	Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY MORTGAGE INC
Dec 7, 2022	Deed of Trust, Mortgage · Line of Credit NORTH LAND AREA FEDERAL CREDIT UNION
Nov 9, 2020	Warranty Deed, Transfer · Conventional Mortgage NORTHLAND AREA FCU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 27, 2024 · Amount on Record
Deed Sale	Feb 27, 2024 · Amount on Record
Prior Sale	Nov 9, 2020 · Amount on Record
Deed Document Number	0001670977
Deed Book / Page	1670 / 977
Record Updated	Jun 7, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Feb 27, 2024
Property Address	3116 E LOIS AVE, MIDLAND, MI 48640-8928
Document Number	001670/977
Book / Page	1670 / 977
Map Reference	LB D PG 20
Instrument Date	Feb 23, 2024
Transaction Type	Transfer
Record Updated	Mar 18, 2024
Title Company	CROSSROADS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,650.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3116 E LOIS AVE, MIDLAND, MI 48640-8928

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1707 S PATTERSON RD, MIDLAND, MI 48640-8562

Mortgage

Document Number	0001670978
Date	Feb 27, 2024
Instrument	1670/978

Lender

Name	FIRST COMMUNITY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Property Address	3116 E LOIS AVE, MIDLAND, MI 48640-8928
Transaction Type	Mortgage
Record Updated	Dec 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3116 E LOIS AVE, MIDLAND, MI 48640-8928

Mortgage

Document Number	01661/1274
Date	Dec 7, 2022
Book Page	1661/1274

Lender

Name	NORTH LAND AREA FEDERAL CREDIT UNION
Address	ALPENA, MI 49707

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Nov 9, 2020
Property Address	3116 E LOIS AVE, MIDLAND, MI 48640-8928
Document Number	1639/534
Book / Page	1639 / 534
Map Reference	LB D PG 20
Instrument Date	Nov 6, 2020
Transaction Type	Transfer
Record Updated	May 18, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3116 E LOIS AVE, 3116, MIDLAND, MI 48640-8928

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4225 ROLLING MEADOWS DR, WEST BRANCH, MI 48661-9684

Mortgage

Document Number	1639535
Date	Nov 9, 2020
Instrument	1639/535

Lender

Name	NORTHLAND AREA FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2040

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		$77,900	$155,800
2022	$2,160.00

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 87% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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 89 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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