Midland County property record for 3906 Lancaster St, Midland, MI 48642
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,376 sqft · built 1950 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $207,500 (Mar 2026) |
| Tax Bill | $2,610 (2024) |
| Deeds & Mortgages | Dec 2012 Mortgage Mar 2026 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-10-30-438 |
| Primary APN | 14-10-30-438 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,376 sqft Living Area |
| 1st Floor Area | 1,376 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Ranch |
| Lot Area | 9,583 sqft (0.22 acres) |
| Lot Dimensions | 130 ft deep x 75 ft wide |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 3906 LANCASTER ST |
|---|---|
| City | MIDLAND |
| State | MI |
| Zip | 48642-3740 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA-1 |
| Legal Description | LOT 4 BLK C KENTWOOD DIV 1 EG |
| Legal Subdivision | BLK C KENTWOOD DIV |
| Legal Block | C |
| Legal Lot Number | 4 |
| Jurisdiction | MIDLAND MI |
| Township / Civil Division | MIDLAND |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 290800 |
Source: Midland County records, as of July 1, 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 Record |
|---|---|
| Mailing Address | 1301 SPRINGFIELD DR, 3, MIDLAND, MI 48642-6592 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Dec 6, 2012 | Deed of Trust, Mortgage · Stand-Alone First Mortgage FLAGSTAR BANK FSB |
| Mar 16, 2026 | Warranty Deed, Transfer · Conventional Mortgage DOW CU |
| Jan 12, 2022 | Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Apr 9, 2019 | Warranty Deed, Transfer |
| Oct 25, 2018 | Bargain and Sale Deed, Transfer |
| Feb 16, 2018 | Sheriff's Deed, Foreclosure |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 16, 2026 · Amount on Record |
| Deed Sale | Mar 16, 2026 · Amount on Record |
| Prior Sale | Jan 12, 2022 · Amount on Record |
| Deed Document Number | 20262236 |
| Deed Book / Page | 2026 / 2236 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDLAND MI |
| Property Address | 3906 LANCASTER ST, MIDLAND, MI 48642-3740 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3906 LANCASTER ST, MIDLAND, MI 48642-3740 |
| Document Number | 01561/00041 |
|---|---|
| Date | Dec 6, 2012 |
| Book Page | 01561/00041 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | 5151 CORPORATE DR, TROY, MI 48098 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2042 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MIDLAND MI |
| Recording Date | Mar 16, 2026 |
| Property Address | 3906 LANCASTER ST, MIDLAND, MI 48642-3740 |
| Document Number | 2026R02236 |
| Map Reference | LB B PG 18 |
| Instrument Date | Mar 10, 2026 |
| Instrument | 2026R-02236 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,556.25 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3906 LANCASTER ST, MIDLAND, MI 48642-3740 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1301 SPRINGFIELD DR APT 3, 3, MIDLAND, MI 48642-6592 |
| Document Number | 2026R02237 |
|---|---|
| Date | Mar 16, 2026 |
| Instrument | 2026R-02237 |
| Name | DOW CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MIDLAND MI |
| Recording Date | Jan 12, 2022 |
| Property Address | 3906 LANCASTER ST, MIDLAND, MI 48642-3740 |
| Document Number | 001653/467 |
| Book / Page | 1653 / 467 |
| Map Reference | LB B PG 18 |
| Instrument Date | Jan 7, 2022 |
| Transaction Type | Transfer |
| Record Updated | Jan 27, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,185.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3906 LANCASTER ST, 3906, MIDLAND, MI 48642-3740 |
| Name | Verified Name |
|---|---|
| Address | 8028 EVERGREEN PARK DR, SAGINAW, MI 48609-4205 |
| Document Number | 0001653468 |
|---|---|
| Date | Jan 12, 2022 |
| Instrument | 1653/468 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MIDLAND MI |
| Recording Date | Apr 9, 2019 |
| Property Address | 3906 LANCASTER ST, MIDLAND, MI 48642-3740 |
| Document Number | 01623/00497 |
| Book / Page | 01623 / 00497 |
| Instrument Date | Mar 20, 2019 |
| Instrument | 01623-00497 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $967.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13140 RIDGEWOOD DR, 13140, SAINT CHARLES, MI 48655-9570 |
| Name | Verified Name |
|---|---|
| Address | 601 FITZHUGH ST, MIDLAND, MI 48640-4922 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | MIDLAND MI |
| Recording Date | Oct 25, 2018 |
| Property Address | 3906 LANCASTER ST, MIDLAND, MI 48642-3740 |
| Document Number | 1619/0959 |
| Book / Page | 1619 / 0959 |
| Instrument Date | Oct 10, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 13140 RIDGEWOOD DR, SAINT CHARLES, MI 48655-9570 |
| Document Type | Sheriff's Deed |
|---|---|
| Jurisdiction | MIDLAND MI |
| Recording Date | Feb 16, 2018 |
| Property Address | 3906 LANCASTER ST, MIDLAND, MI 48642-3740 |
| Document Number | 1612/1187 |
| Book / Page | 1612 / 1187 |
| Map Reference | LB B PG 18 |
| Instrument Date | Feb 6, 2018 |
| Transaction Type | Foreclosure |
| Record Updated | May 18, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3906 LANCASTER ST, 3906, MIDLAND, MI 48642-3740 |
| Name | Verified Name |
|---|---|
| Address | 13801 WIRELESS WAY, OKLAHOMA CITY, OK 73134-2500 |
| Investor | Possibly a Property Investor |
Source: Midland County assessment roll, as of July 29, 2025
| Type | Name |
|---|---|
| State | Michigan |
| County | Midland County |
| Municipality | Midland City |
| Unified School District | Midland Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $83,200 | $166,400 | |
| 2024 | $2,610.00 |
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.
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 | 2 in force |
| Nearby Flood Claims | 1 (2008) |
| Most Recent Claim | Jun 2008 |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 95% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 379 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Omni Fiber Fiber | 10,000 / 10,000 |
| Ripple Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
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