Saginaw County property record for 10285 Garfield Rd, Freeland, MI 48623
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 3,084 sqft · built 2004 |
| Lot Size | 12.4 acres (542,322 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $195,000 (Nov 2007) |
| Tax Bill | $7,486 (2025) |
| Deeds & Mortgages | Oct 2022 Line of Credit Nov 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-13-3-03-4001-002 |
| Primary APN | 29-13-3-03-4001-002 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,084 sqft Living Area |
| 1st Floor Area | 1,823 sqft |
| Basement Area | 1,823 sqft |
| Unfinished Basement | 1,823 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 542,322 sqft (12.4 acres) |
| Garage Area | 726 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 388 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 10285 GARFIELD RD |
|---|---|
| City | FREELAND |
| State | MI |
| Zip | 48623-9734 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A1-AGRI |
| Legal Description | COM AT SE CORN OF SEC TH N 1314.60 FT TO POB TH W 1305.66 FT TH N 433.81 FT TH E 968.43 FT TH S 43.80 FT TH E 338 FT TH S |
| Legal Range | 03E |
| Legal Township | 13N |
| Legal Section | 03 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | TITTABAWASSEE |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 10101 |
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 | 10285 GARFIELD RD, FREELAND, MI 48623-9734 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 5, 2022 | Deed of Trust, Mortgage · Line of Credit DOW CHEMICAL EMPLOYEES CU |
| Nov 2, 2021 | Deed of Trust, Mortgage DOW CHEMICAL EMPLOYEES CU |
| May 4, 2020 | Deed of Trust, Mortgage · Line of Credit DOW CHEMICAL EMPS CU |
| May 29, 2018 | Deed of Trust, Mortgage · Conventional Mortgage DOW CHEMICAL EMPS CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 14, 2007 · Amount on Record |
| Deed Sale | Nov 14, 2007 · Amount on Record |
| Prior Sale | May 18, 2007 · Amount on Record |
| Deed Book / Page | 2469 / 2177 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 10285 GARFIELD RD, FREELAND, MI 48623-9734 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2022 |
| Name | Verified Name |
|---|---|
| Address | 10285 GARFIELD RD, FREELAND, MI 48623-9734 |
| Document Number | 0000026124 |
|---|---|
| Date | Oct 5, 2022 |
| Instrument | 2022026124 |
| Name | DOW CHEMICAL EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | MIDLAND, MI 48641 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 10285 GARFIELD RD, FREELAND, MI 48623-9734 |
| Transaction Type | Mortgage |
| Record Updated | Nov 15, 2021 |
| Name | Verified Name |
|---|---|
| Address | 10285 GARFIELD RD, FREELAND, MI 48623-9734 |
| Document Number | 2021035088 |
|---|---|
| Date | Nov 2, 2021 |
| Instrument | 2021035088 |
| Name | DOW CHEMICAL EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | MIDLAND, MI 48641 |
| Amount | Amount Recorded |
|---|---|
| Term | 299 Months |
| Due | Oct 28, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 10285 GARFIELD RD, FREELAND, MI 48623-9734 |
| Document Number | 0000012743 |
| Instrument Date | May 4, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 7, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10285 GARFIELD RD FREELAND MI 486239734, FREELAND, MI 48623-9734 |
| Document Number | 0000012743 |
|---|---|
| Date | May 8, 2020 |
| Instrument | 12743 |
| Name | DOW CHEMICAL EMPS CU |
|---|---|
| Type | Credit Union |
| Address | MIDLAND, MI 48641-1649 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 10285 GARFIELD RD, FREELAND, MI 48623-9734 |
| Document Number | 0000016084 |
| Instrument Date | May 29, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 6, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10285 GARFIELD RD FREELAND MI 486239734, FREELAND, MI 48623-9734 |
| Document Number | 0000016084 |
|---|---|
| Date | Jun 6, 2018 |
| Instrument | 16084 |
| Name | DOW CHEMICAL EMPS CU |
|---|---|
| Type | Credit Union |
| Address | MIDLAND, MI 48641-1649 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 5, 2048 |
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 | $314,300 (+32.78%) | $628,600 (+32.78%) | |
| 2025 | $7,486.00 (+25.71%) Homeowner's exemption | ||
| 2023 | $236,700 | $473,400 | |
| 2022 | $5,955.00 |
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 | 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.
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: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LakeNet Fiber | 1,000 / 500 |
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