Midland County property record for 3605 E el Rancho Dr, Midland, MI 48642
| Property Type | Single Family Home |
|---|---|
| Lot Size | 2.75 acres (119,790 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $90,000 (Apr 2023) |
| Tax Bill | $951 (2025) |
| Deeds & Mortgages | Dec 2023 Mortgage Apr 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 090-027-300-034-00 |
| Primary APN | 090-027-300-034-00 |
|---|
| Lot Area | 119,790 sqft (2.75 acres) |
|---|---|
| Lot Dimensions | 746 ft deep x 175 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 3605 E EL RANCHO DR |
|---|---|
| City | MIDLAND |
| State | MI |
| Zip | 48642-8828 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIA |
| Legal Description | SEC 27 T15N R2E COM 33 FT S OF W 1/4 COR, TH E 1145.89 FT TO POB, TH E 167.89 FT, TH S 693.62 FT, SW 173.82 FT, TN SW 1.96 FT, TH N 746.46 FT. |
| Legal Range | 02E |
| Legal Township | 15N |
| Legal Section | 27 |
| Jurisdiction | MIDLAND MI |
| Township / Civil Division | LARKIN |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 291104 |
3605 E el Rancho Dr is owner-occupied and held in a trust since December 2023.
Source: Midland County records, as of September 28, 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 Trust Names on File |
|---|---|
| Mailing Address | 3605 E EL RANCHO DR, MIDLAND, MI 48642-8828 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Dec 28, 2023 | Intrafamily Transfer, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Apr 28, 2023 | Warranty Deed, Transfer CROSSROADS TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 28, 2023 · Amount on File |
| Deed Sale | Apr 28, 2023 · Amount on File |
| Prior Sale | May 20, 2013 · Amount on File |
| Deed Book / Page | 1664 / 943 |
| Last Transfer Date | Dec 18, 2023 |
| Transfer Doc | 001669/949 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MIDLAND MI |
| Recording Date | Dec 28, 2023 |
| Property Address | E EL RANCHO DR, MIDLAND, MI 48642 |
| Document Number | 001669/949 |
| Book / Page | 1669 / 949 |
| Instrument Date | Dec 18, 2023 |
| Transaction Type | Transfer |
| Record Updated | Jan 24, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 702 W MAIN ST, MIDLAND, MI 48640-4243 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 702 W MAIN ST, MIDLAND, MI 48640-4243 |
| Document Number | 0001669972 |
|---|---|
| Date | Dec 28, 2023 |
| Instrument | 1669/972 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.12% |
| Type Change Date | Jan 1, 2031 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 11.1% |
| Margin | 3 |
| Max Rate | 11.1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MIDLAND MI |
| Recording Date | Apr 28, 2023 |
| Property Address | E EL RANCHO DR, MIDLAND, MI 48642 |
| Document Number | 001664/943 |
| Book / Page | 1664 / 943 |
| Instrument Date | Apr 14, 2023 |
| Transaction Type | Transfer |
| Record Updated | May 9, 2023 |
| Title Company | CROSSROADS TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $675.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 814 SAGINAW ST, BAY CITY, MI 48708-5613 |
| Name | Verified Name |
|---|---|
| Address | 702 W MAIN ST, MIDLAND, MI 48640-4243 |
The 2025 property tax bill for 3605 E el Rancho Dr was $951 with a homeowner's exemption, up 27.1% from the year before.
Source: Midland County assessment roll, as of August 4, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Midland County |
| County Subdivision | Larkin Charter Township |
| Unified School District | Midland Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $38,300 (+7.28%) | $76,600 (+7.28%) | |
| 2025 | $951.00 (+27.14%) Homeowner's exemption | $35,700 | $71,400 |
| 2024 | $748.00 | ||
| 2023 | $27,500 | $55,000 | |
| 2022 | $721.00 |
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.
FEMA maps place 3605 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 risk around 3605 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.
Source: FCC Broadband Data Collection, based on 47 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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