3654 E Acorn Ln, Midland, MI 48642 Property Records

Midland County property record for 3654 E Acorn Ln, Midland, MI 48642

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,876 sqft · built 1997
Lot Size	1.61 acres (70,132 sqft)
Owner	2 Individual Names on File
Last Sale	$332,500 (Nov 2017)
Tax Bill	$6,032 (2024)
Deeds & Mortgages	Mar 2026 Line of Credit Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`090-832-500-980-00`

Property Details

APN / Parcel Number

Primary APN	`090-832-500-980-00`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,876 sqft Living Area
Gross Area	2,680 sqft
1st Floor Area	1,804 sqft
Basement Area	1,608 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Lot Area	70,132 sqft (1.61 acres)
Lot Dimensions	400 ft deep x 75.1 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3654 E ACORN LN
City	MIDLAND
State	MI
Zip	48642-8873
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	T15N R2E LOT 98 WHISPERING PINES ESTATES NO 3.
Legal Subdivision	WHISPERING PINES ESTATES NO 3
Legal Lot Number	98
Jurisdiction	MIDLAND MI
Township / Civil Division	LARKIN
Census Block Group	1
Census Block	1000
Census Tract	291104

Owner

3654 E Acorn Ln is owned and occupied by two individuals who bought it in November 2017.

Source: Midland County records, as of April 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3654 E ACORN LN, MIDLAND, MI 48642-8873
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2026	Deed of Trust, Mortgage · Line of Credit DOW CU
Feb 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage DOW CHEMICAL EMPLOYEES CU
Nov 2, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 2, 2017 · Amount on File
Deed Sale	Nov 2, 2017 · Amount on File
Prior Sale	Apr 23, 1997 · Amount on File
Deed Book / Page	1610 / 674
Prior Transfer Date	Jan 31, 2012
Prior Transfer Doc	1550/1318
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Property Address	3654 E ACORN LN, MIDLAND, MI 48642-8873
Transaction Type	Mortgage
Record Updated	Apr 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3654 E ACORN LN, MIDLAND, MI 48642-8873

Mortgage

Document Number	2026R03072
Date	Mar 30, 2026
Instrument	2026R-03072

Lender

Name	DOW CU
Type	Credit Union
Address	CANTON, MI 48188

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 25, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDLAND MI
Property Address	3654 E ACORN LN, MIDLAND, MI 48642-8873
Transaction Type	Mortgage
Record Updated	Mar 9, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3654 E ACORN LN, MIDLAND, MI 48642-8873

Mortgage

Document Number	1642/1047
Date	Feb 22, 2021
Book Page	1642/1047

Lender

Name	DOW CHEMICAL EMPLOYEES CU
Type	Credit Union
Address	MIDLAND, MI 48641

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Mar 1, 2028
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	5.25%
Index	1-Year LIBOR
Margin	3
Max Rate	8.25%

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDLAND MI
Recording Date	Nov 2, 2017
Property Address	3654 E ACORN LN, MIDLAND, MI 48642-8873
Document Number	1610/0674
Book / Page	1610 / 0674
Map Reference	LB P PG 62-65
Instrument Date	Oct 31, 2017
Transaction Type	Transfer
Record Updated	May 18, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3654 E ACORN LN, 3654, MIDLAND, MI 48642-8873

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6013 DUBLIN AVE, MIDLAND, MI 48640-9435

Tax Assessment & Valuation

Source: Midland County assessment roll, as of July 29, 2025

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
2025		$252,600	$505,200
2024	$6,032.00

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

Flood

FEMA maps place 3654 E Acorn Ln 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	1 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 3654 E Acorn Ln 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.

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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