1. Home
  2. Michigan
  3. Saginaw County
  4. Saint Charles
  5. W Spruce St

104 W Spruce St, Saint Charles, MI 48655 Property Records

Saginaw County property record for 104 W Spruce St, Saint Charles, MI 48655

Property Summary

Property TypeCommercial
Lot Size0.1 acres (4,360 sqft)
OwnerCompany Name on File
Last Sale$50,000 (Jun 2018)
Deeds & MortgagesJul 2018 Transfer
Jun 2018 Sale
Flood ZoneZone AE (high risk)
APN24-10-3-05-0324-000

Property Details

APN / Parcel Number

Primary APN24-10-3-05-0324-000

Exterior

Fire ResistanceFireproof Steel Frame
Lot Area4,360 sqft

Location & Zoning

Account Number24103050324000
Street Address104 W SPRUCE ST
CitySAINT CHARLES
StateMI
Zip48655-1238
Property CategoryCommercial
Property TypeCommercial > Retail
Legal DescriptionLOT 1 EXC SW LY 50 FT BLK 86 VILLAGE OF ST CHARLES SEC 05 T10N R3E
Legal Range03E
Legal Township10N
Legal Section05
Legal SubdivisionVILLAGE OF ST CHARLES
Legal Block86
Legal Lot Number1
Legal Unit1
JurisdictionSAGINAW MI
Census Block Group1
Census Block1019
Census Tract12600

Owner

104 W Spruce St, a commercial property, is owned by a company that acquired it in July 2018.

Source: Saginaw County records, as of April 24, 2024

Owner of RecordCompany Name on File
Mailing Address106 W SPRUCE ST, SAINT CHARLES, MI 48655-1238
Owner TypeCompany

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Jul 24, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY
Jun 26, 2018Warranty Deed, Transfer
SAGINAW BAY AREA TITLE AGENCY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 26, 2018 · Amount on File
Deed SaleJun 26, 2018 · Amount on File
Prior SaleJun 26, 2018 · Amount on File
Deed Document Number0000017953
Last Transfer DateJul 24, 2018
Transfer Doc0000020099
Record UpdatedJun 7, 2026

July 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSAGINAW MI
Recording DateJul 24, 2018
Property Address104 W SPRUCE ST, SAINT CHARLES, MI 48655-1238
Document Number0000020099
Instrument DateJul 18, 2018
Instrument20099
Transaction TypeTransfer
Record UpdatedAug 8, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany

June 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSAGINAW MI
Recording DateJun 26, 2018
Property Address104 W SPRUCE ST, SAINT CHARLES, MI 48655-1238
Document Number0000017953
Instrument DateJun 19, 2018
Instrument17953
Transaction TypeTransfer
Record UpdatedJul 18, 2018
Title CompanySAGINAW BAY AREA TITLE AGENCY

Transaction

AmountAmount on Record
Tax$50.00
Amount AccuracyConfirmed
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address106 W SPRUCE ST ST CHARLES MI 486551238, ST CHARLES, MI 48655-1238

Tax Assessment & Valuation

Source: Saginaw County assessment roll, as of March 1, 2023

Property Jurisdictions

TypeName
StateMichigan
CountySaginaw County
County SubdivisionSt. Charles Township
MunicipalitySt. Charles Village
Unified School DistrictSt. Charles Community Schools (KG - 12)

Flood

FEMA maps place 104 W Spruce St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective March 29, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 22 policies
Nearby Flood Policies22 in force
Nearby Flood Claims7 (1986–2026)
Claims Outside the SFHA1 of 7
Most Recent ClaimApr 2026
Claims by Event
  • Severe Storms & Flooding, Sep 1986 · 2 claims

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

Wildfire risk around 104 W Spruce St is low, with a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemVILLAGE OF ST. CHARLES
serves 2,054 people · EPA ID MI0006260
Water SourcePurchased surface water from CITY OF SAGINAW
Last State InspectionJul 2024
Lead3 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 186 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

May also be available: T-Mobile.

Nearby Properties on W Spruce St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures