10185 Elms Rd, Birch Run, MI 48415 Property Records

Saginaw County property record for 10185 Elms Rd, Birch Run, MI 48415

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,438 sqft · built 2004
Lot Size	13.4 acres (584,140 sqft)
Owner	2 Individual Names on Record
Last Sale	$47,500 (Mar 2004)
Tax Bill	$4,552 (2025)
Deeds & Mortgages	Mar 2021 Second Mortgage Mar 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`27-10-5-13-1006-010`

Property Details

APN / Parcel Number

Primary APN	`27-10-5-13-1006-010`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,438 sqft Living Area
1st Floor Area	2,202 sqft
Basement Area	2,202 sqft
Unfinished Basement	2,202 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Raised Ranch
Exterior Material	Wood Siding
Lot Area	584,140 sqft (13.4 acres)
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	481 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	10185 ELMS RD
City	BIRCH RUN
State	MI
Zip	48415-8446
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG AT INTERSECTION OF C/L OF ELMS RD & N 1/8 LINE TH E 1445 FT TO E SEC LINE TH S 665 FT TH N39DEG W 300 FT TH S47DEG W 408
Legal Range	05E
Legal Township	10N
Legal Section	13
Jurisdiction	SAGINAW MI
Township / Civil Division	TAYMOUTH
Census Block Group	3
Census Block	3000
Census Tract	13000

Owner

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	10185 ELMS RD, BIRCH RUN, MI 48415-8446
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECURITY CU
Mar 19, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2004 · Amount on Record
Deed Sale	Mar 19, 2004 · Amount on Record
Deed Book / Page	2274 / 696
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	10185 ELMS RD, BIRCH RUN, MI 48415-8446
Transaction Type	Mortgage
Record Updated	Apr 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10185 ELMS RD, BIRCH RUN, MI 48415-8446

Mortgage

Document Number	2021008357
Date	Mar 22, 2021
Instrument	2021008357

Lender

Name	SECURITY CU
Type	Credit Union
Address	HOLLY, MI 48442

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	10185 ELMS RD, BIRCH RUN, MI 48415-8446
Transaction Type	Mortgage
Record Updated	Apr 2, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10185 ELMS RD, BIRCH RUN, MI 48415-8446

Mortgage

Document Number	2021008144
Date	Mar 19, 2021
Instrument	2021008144

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Mar 2, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	Taymouth Township
Unified School District	Birch Run Area School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$219,500 (+26.59%)	$439,000 (+26.59%)
2025	$4,552.00 (+20.9%) Homeowner's exemption
2023		$173,400	$346,800
2022	$3,765.00

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

Flood

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 93% of the US · lower than 83% of Michigan
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3
AT&T Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Elms Rd

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