Saginaw County property record for 10832 Carter Rd, Freeland, MI 48623
| Property Type | Manufactured or Modular Home |
|---|---|
| Details | 3 bd · 2 ba · 1,344 sqft · built 1991 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $125,200 (Jul 2026) |
| Tax Bill | $2,872 (2025) |
| Deeds & Mortgages | Jul 2026 Sale Dec 2025 Foreclosure + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-13-3-04-2002-000 |
| Primary APN | 29-13-3-04-2002-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,344 sqft Living Area |
| 1st Floor Area | 1,344 sqft |
| Basement Area | 1,344 sqft |
| Unfinished Basement | 1,344 sqft |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Modular |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 87,120 sqft (2 acres) |
| Garage Area | 1,344 sqft |
| Parking Spaces | 5 Parking Spaces |
| Deck Area | Deck Area |
| Patio Area | 304 sqft |
| Total Buildings | 2 Buildings |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 10832 CARTER RD |
|---|---|
| City | FREELAND |
| State | MI |
| Zip | 48623-9741 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Manufactured or Modular Home |
| Local Zoning Code | A1-AGRI |
| Legal Description | S 220 FT OF N 880 FT OF W 396 FT OF NW 1/4 OF NW 1/4 2.0 ACRES SEC 4 T13N R3E |
| Legal Range | 03E |
| Legal Township | 13N |
| Legal Section | 04 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | TITTABAWASSEE |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 10101 |
10832 Carter Rd, a residential property, is owned and occupied by two individuals who bought it in July 2026.
Source: Saginaw County records, as of September 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 8732 N BROOKSHIRE DR, SAGINAW, MI 48609-4893 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 31, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Dec 5, 2025 | Sheriff's Deed, Foreclosure |
| Apr 12, 2022 | Warranty Deed, Transfer · FHA Mortgage ACADEMY MORTGAGE CORP |
| Apr 6, 2020 | Quit Claim Deed, Transfer SAGINAW BAY AREA TITLE AGENCY, SAGINAW BAY AREA TITLE AGCY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 31, 2026 · Amount on File |
| Deed Sale | Jul 31, 2026 · Amount on File |
| Prior Sale | Dec 5, 2025 · Amount on File |
| Deed Document Number | 202619755 |
| Prior Transfer Date | Nov 21, 2025 |
| Prior Transfer Doc | 0000028174 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Jul 31, 2026 |
| Property Address | 10832 CARTER RD, FREELAND, MI 48623-9741 |
| Document Number | 0000019755 |
| Instrument Date | Jul 28, 2026 |
| Instrument | 202619755 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Tax | $94,839.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8732 N BROOKSHIRE DR, SAGINAW, MI 48609-4893 |
| Document Type | Sheriff's Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Dec 5, 2025 |
| Property Address | 10832 CARTER RD, FREELAND, MI 48623-9741 |
| Document Number | 0000028174 |
| Instrument Date | Nov 21, 2025 |
| Instrument | 2025028174 |
| Transaction Type | Foreclosure |
| Record Updated | Dec 17, 2025 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3637 SENTARA WAY, VIRGINIA BEACH, VA 23452-4262 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Apr 12, 2022 |
| Property Address | 10832 CARTER RD, FREELAND, MI 48623-9741 |
| Document Number | 0000010556 |
| Instrument Date | Mar 24, 2022 |
| Instrument | 2022010556 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,095.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 17 EDGEWOOD RD, 17, SAGINAW, MI 48602-2777 |
| Name | Verified Name |
|---|---|
| Address | 10832 CARTER RD, FREELAND, MI 48623-9741 |
| Document Number | 0000010557 |
|---|---|
| Date | Apr 12, 2022 |
| Instrument | 2022010557 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Number | 0000010558 |
|---|---|
| Date | Apr 12, 2022 |
| Instrument | 2022010558 |
| Name | MICHIGAN STATE HOUSING DEV AUTHORITY |
|---|---|
| Type | Government Agency |
| Address | LANSING, MI 48912 |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Apr 6, 2020 |
| Property Address | 10832 CARTER RD, FREELAND, MI 48623-9741 |
| Document Number | 0000007276 |
| Instrument Date | Mar 16, 2020 |
| Instrument | 7276 |
| Transaction Type | Transfer |
| Record Updated | Jun 25, 2020 |
| Title Company | SAGINAW BAY AREA TITLE AGENCY, SAGINAW BAY AREA TITLE AGCY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 10832 CARTER RD FREELAND MI 486239741, FREELAND, MI 48623-9741 |
The 2025 property tax bill for 10832 Carter Rd was $2,872 with a homeowner's exemption, up 2.8% from the year before.
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 | $83,800 (+12.94%) | $167,600 (+12.94%) | |
| 2025 | $2,872.00 (+2.75%) Homeowner's exemption | $74,200 | $148,400 |
| 2024 | $2,795.00 | ||
| 2023 | $79,400 | $158,800 | |
| 2022 | $1,749.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10832 Carter Rd in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 10832 Carter Rd is low, with less than a 0.01% annual chance of 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.
Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LakeNet Fiber | 1,000 / 500 |
| Spectrum Cable | 1,000 / 35 |
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