10700 Carr Rd, Saint Charles, MI 48655 Property Records

Saginaw County property record for 10700 Carr Rd, Saint Charles, MI 48655

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,075 sqft
Lot Size	12.4 acres (540,144 sqft)
Owner	Individual Name on Record
Last Sale	$300,000 (Aug 2026)
Tax Bill	$2,798 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Mar 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`24-10-3-17-2004-000`

Property Details

APN / Parcel Number

Primary APN	`24-10-3-17-2004-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,075 sqft Living Area
1st Floor Area	1,640 sqft

Exterior

Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	540,144 sqft (12.4 acres)
Garage Area	1,088 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	398 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	10700 CARR RD
City	SAINT CHARLES
State	MI
Zip	48655-9670
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 1/2 OF SE 1/4 OF NW 1/4 EXC E 921 FT OF N 250 FT ALSO EXC S 270 FT OF E 350 FT 12.50 ACRES SEC 17 T10N R3E
Legal Range	03E
Legal Township	10N
Legal Section	17
Jurisdiction	SAGINAW MI
Township / Civil Division	ST. CHARLES
Census Block Group	3
Census Block	3037
Census Tract	12600

Owner

Source: Saginaw County records, as of September 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	816 SANDERSON ST, SAINT CHARLES, MI 48655-1856
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED FINANCIAL CREDIT UNION
Mar 16, 2023	Intrafamily Transfer, Transfer TITLE ONE AGENCY, TITLE HOUSE AGENCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2026 · Amount on Record
Deed Sale	Aug 31, 2026 · Amount on Record
Prior Sale	Jun 11, 1990 · Amount on Record
Deed Document Number	202622254
Prior Transfer Date	Feb 9, 2023
Prior Transfer Doc	0000005031
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Aug 31, 2026
Property Address	10700 CARR RD, SAINT CHARLES, MI 48655-9670
Document Number	0000022254
Instrument Date	Aug 7, 2026
Instrument	202622254
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	TITLE AGENCY, TITLE HOUSE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$227,250.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	816 SANDERSON ST, SAINT CHARLES, MI 48655-1856

Mortgage

Document Number	0000022255,
Date	Aug 31, 2026
Instrument	202622255

Lender

Name	UNITED FINANCIAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 1, 2036

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAGINAW MI
Recording Date	Mar 16, 2023
Property Address	10700 CARR RD, SAINT CHARLES, MI 48655-9670
Document Number	0000005031
Instrument Date	Feb 9, 2023
Instrument	2023005031
Transaction Type	Transfer
Record Updated	Mar 28, 2023
Title Company	TITLE ONE AGENCY, TITLE HOUSE AGENCY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10700 CARR RD, SAINT CHARLES, MI 48655-9670

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10700 CARR RD, SAINT CHARLES, MI 48655-9670

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	St. Charles Township
Unified School District	St. Charles Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$123,000 (+34.72%)	$246,000 (+34.72%)
2025	$2,798.00 (+26.32%) Homeowner's exemption
2023		$91,300	$182,600
2022	$2,215.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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
Flood Insurance Cost	Premium on Record median of 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	12 (1986–2020)
Most Recent Claim	May 2020 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2020 · 2 claims Flooding, Apr 2013 · 2 claims Severe Storms & Flooding, Sep 1986 · 7 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

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

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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