Saginaw County property record for 10145 Carter Rd, Freeland, MI 48623
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,604 sqft · built 1976 |
| Lot Size | 5.87 acres (255,697 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $13,855 (May 1999) |
| Tax Bill | $3,083 (2025) |
| Deeds & Mortgages | Nov 2022 Line of Credit Jan 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-13-3-05-4002-003 |
| Primary APN | 29-13-3-05-4002-003 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,604 sqft Living Area |
| 1st Floor Area | 1,604 sqft |
| Basement Area | 364 sqft |
| Unfinished Basement | 364 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 255,697 sqft (5.87 acres) |
| Garage Area | 1,344 sqft |
| Parking Spaces | 5 Parking Spaces |
| Deck Area | Deck Area |
| Patio Area | 380 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 10145 CARTER RD |
|---|---|
| City | FREELAND |
| State | MI |
| Zip | 48623-9730 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A1-AGRI |
| Legal Description | COM AT SE CORN OF SEC TH N 655.84 FT TO POB TH W 264.02 FT TH S 330.03 FT TH W 396.03 FT TH N 520.04 FT TH E 660.05 FT TH S |
| Legal Range | 03E |
| Legal Township | 13N |
| Legal Section | 05 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | TITTABAWASSEE |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 10102 |
Source: Saginaw County records, as of August 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 10145 CARTER RD, FREELAND, MI 48623-9730 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 14, 2022 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Jan 23, 2017 | Deed of Trust, Mortgage PNC BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 26, 1999 · Amount on Record |
| Deed Sale | May 26, 1999 · Amount on Record |
| Deed Book / Page | 2122 / 2031 |
| Prior Transfer Date | May 11, 1999 |
| Prior Transfer Doc | 2122002031 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 10145 CARTER RD, FREELAND, MI 48623-9730 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Name | Verified Name |
|---|---|
| Address | 10145 CARTER RD, FREELAND, MI 48623-9730 |
| Document Number | 0000029398 |
|---|---|
| Date | Nov 14, 2022 |
| Instrument | 2022029398 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 472 Months |
| Due | Mar 28, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 10145 CARTER RD, FREELAND, MI 48623-9730 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000001766 |
|---|---|
| Date | Jan 23, 2017 |
| Book Page | 2887/0157 |
| Instrument | 2017001766 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Amount | Amount Recorded |
|---|---|
| Term | 215 Months |
| Due | Dec 27, 2034 |
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | Tittabawassee Township |
| Unified School District | Freeland Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $122,500 (+30.46%) | $245,000 (+30.46%) | |
| 2025 | $3,083.00 (+24.67%) Homeowner's exemption | ||
| 2023 | $93,900 | $187,800 | |
| 2022 | $2,473.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 9 in force |
| Nearby Flood Claims | 3 (2017–2020) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | May 2020 · Severe Storms And Flooding |
| Claims by Event |
|
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 99.1% of the US · lower than 98.4% 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: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Verizon Fixed Wireless | 25 / 6 |
| T-Mobile Fixed Wireless | 25 / 3 |
May also be available: Spectrum.
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