10080 Ditch Rd, Chesaning, MI 48616 Property Records

Saginaw County property record for 10080 Ditch Rd, Chesaning, MI 48616

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,969 sqft · built 1890
Lot Size	4.86 acres (211,702 sqft)
Owner	2 Individual Names on File
Last Sale	$115,000 (Mar 2014)
Tax Bill	$2,469 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Mar 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-09-3-28-4002-002`

Property Details

APN / Parcel Number

Primary APN	`13-09-3-28-4002-002`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,969 sqft Living Area
1st Floor Area	1,197 sqft
Basement Area	772 sqft
Unfinished Basement	772 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Roof Type	Gable
Roof Material	Asphalt
Lot Area	211,702 sqft (4.86 acres)
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	200 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	10080 DITCH RD
City	CHESANING
State	MI
Zip	48616-9706
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG AT SE CORN OF SEC TH W 600 FT TH N 381.56 FT TH E 483.63 FT TO SLY BANK OF DRAIN TH S32DEG E 223.40 FT TO E SEC LINE TH S
Legal Range	03E
Legal Township	09N
Legal Section	28
Jurisdiction	SAGINAW MI
Township / Civil Division	CHESANING
Census Block Group	3
Census Block	3008
Census Tract	12700

Owner

10080 Ditch Rd is owned and occupied by two individuals who bought it in March 2014.

Source: Saginaw County records, as of August 21, 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	10080 DITCH RD, CHESANING, MI 48616-9706
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Mar 8, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Mar 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage TEAM ONE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 27, 2014 · Amount on File
Deed Sale	Mar 27, 2014 · Amount on File
Prior Sale	Jul 21, 2009 · Amount on File
Deed Document Number	20146826
Deed Book / Page	2765 / 1617
Prior Transfer Date	May 18, 2010
Prior Transfer Doc	0000020427
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	10080 DITCH RD, CHESANING, MI 48616-9706
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10080 DITCH RD, CHESANING, MI 48616-9706

Mortgage

Document Number	0000029269
Date	Nov 14, 2022
Instrument	2022029269

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Oct 24, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	10080 DITCH RD, CHESANING, MI 48616-9706
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004674
Date	Mar 8, 2019
Instrument	2019004674

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	289 Months
Due	Apr 1, 2043

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	10080 DITCH RD, CHESANING, MI 48616-9706
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10080 DITCH RD, CHESANING, MI 48616-9706

Mortgage

Document Number	0000005377
Date	Mar 3, 2022
Instrument	2022005377

Lender

Name	TEAM ONE CU
Type	Credit Union
Address	SAGINAW, MI 48607

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 10080 Ditch Rd was $2,469 with a homeowner's exemption.

Source: Saginaw County assessment roll, as of August 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	Chesaning Township
Unified School District	Chesaning Union Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$110,300	$220,600
2025	$2,469.00 Homeowner's exemption
2023		$85,100	$170,200
2022	$2,126.00

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

Flood

FEMA maps place 10080 Ditch Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 29, 2024 · 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	2 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

The area around 10080 Ditch Rd has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Brightspeed DSL	100 / 10
AT&T Fixed Wireless	25 / 3

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ditch Rd

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