Midland County property record for 3645 E el Rancho Dr, Midland, MI 48642
| Property Type | Single Family Home |
|---|---|
| Details | 4.5 ba · 2,758 sqft · built 1991 |
| Lot Size | 3.42 acres (148,975 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $356,000 (Dec 2013) |
| Tax Bill | $7,963 (2024) |
| Deeds & Mortgages | Aug 2026 Line of Credit May 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 090-027-300-005-00 |
| Primary APN | 090-027-300-005-00 |
|---|
| Full Baths | 4.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,758 sqft Living Area |
| 1st Floor Area | 2,758 sqft |
| Basement Area | 2,758 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Ranch |
| Lot Area | 148,975 sqft (3.42 acres) |
| Garage Area | 1,692 sqft |
| Parking Spaces | 6 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3645 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 AT SW COR LOT 9 EL RANCHO ESTATES NO 1, TH W 309.72 FT, N 150 FT, E 98.71 FT, N 485.61 FT, E 211.01 FT TO NW COR LOT 8 EL RANCHO ESTATES NO 1, S 635.7 FT. |
| Legal Range | 02E |
| Legal Township | 15N |
| Legal Section | 27 |
| Legal Subdivision | EL RANCHO ESTATES |
| Legal Lot Number | 8-9 |
| Jurisdiction | MIDLAND MI |
| Township / Civil Division | LARKIN |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 291104 |
3645 E el Rancho Dr is owned and occupied by two individuals who bought it in December 2013.
Source: Midland County records, as of May 18, 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 | 3645 E EL RANCHO DR, MIDLAND, MI 48642-8828 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 24, 2026 | Deed of Trust, Mortgage · Line of Credit UNION CREDIT UNION |
| May 5, 2026 | Deed of Trust, Mortgage · Line of Credit DOCO CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 3, 2013 · Amount on File |
| Deed Sale | Dec 3, 2013 · Amount on File |
| Prior Sale | Mar 30, 2011 · Amount on File |
| Deed Book / Page | 1572 / 994 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDLAND MI |
| Recording Date | Aug 24, 2026 |
| Property Address | 3645 E EL RANCHO DR, MIDLAND, MI 48642-8828 |
| Document Number | 0000008191 |
| Instrument Date | Aug 19, 2026 |
| Instrument | 20268191 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3645 E EL RANCHO DR, MIDLAND, MI 48642-8828 |
| Document Number | 0000008191, |
|---|---|
| Date | Aug 24, 2026 |
| Instrument | 20268191 |
| Name | UNION CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 25, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDLAND MI |
| Recording Date | May 5, 2026 |
| Property Address | 3645 E EL RANCHO DR, MIDLAND, MI 48642-8828 |
| Document Number | 0000004425 |
| Book / Page | 2026 / 4425 |
| Instrument Date | Apr 30, 2026 |
| Instrument | 20264425 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3645 E EL RANCHO DR, MIDLAND, MI 48642-8828 |
| Document Number | 0000004425, |
|---|---|
| Date | May 5, 2026 |
| Book Page | 2026/4425 |
| Instrument | 20264425 |
| Name | DOCO CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 25, 2056 |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
Source: Midland County assessment roll, as of July 29, 2025
| 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 |
|---|---|---|---|
| 2025 | $296,100 | $592,200 | |
| 2024 | $7,963.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3645 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 3645 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 50 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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