11099 Garden Rdg, Freeland, MI 48623 Property Records

Saginaw County property record for 11099 Garden Rdg, Freeland, MI 48623

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,764 sqft · built 1995
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on File
Last Sale	$266,500 (Jul 2022)
Tax Bill	$4,854 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-13-3-20-1504-000`

Property Details

APN / Parcel Number

Primary APN	`29-13-3-20-1504-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,764 sqft Living Area
1st Floor Area	960 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,246 sqft (0.35 acres)
Lot Dimensions	175 ft deep x 87 ft wide
Garage Area	884 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	126 sqft
Deck Area	Deck Area
Patio Area	224 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	11099 GARDEN RDG
City	FREELAND
State	MI
Zip	48623-8506
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 4 HARVEST GLEN PART OF SE 1/4 OF NE 1/4 SEC 20 T13N R3E
Legal Range	03E
Legal Township	13N
Legal Section	20
Legal Subdivision	HARVEST GLEN SUB
Legal Lot Number	4
Legal Unit	4
Jurisdiction	SAGINAW MI
Township / Civil Division	TITTABAWASSEE
Census Block Group	1
Census Block	1044
Census Tract	10102

Owner

11099 Garden Rdg is owned and occupied by an individual who bought it in July 2022.

Source: Saginaw County records, as of August 21, 2026

Owner of Record	Individual Name on File
Mailing Address	11099 GARDEN RDG, FREELAND, MI 48623-8506
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 6, 2022 · Amount on File
Deed Sale	Jul 6, 2022 · Amount on File
Prior Sale	Aug 15, 1996 · Amount on File
Deed Document Number	202218989
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Jul 6, 2022
Property Address	11099 GARDEN RDG, FREELAND, MI 48623-8506
Document Number	0000018989
Map Reference	LB 26 PG 16
Instrument Date	Jun 28, 2022
Instrument	2022018989
Transaction Type	Transfer
Record Updated	Jul 18, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,998.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11099 GARDEN RDG, 11099, FREELAND, MI 48623-8506

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4315 HAMILTON DR, MIDLAND, MI 48642-5877

Mortgage

Document Number	0000018990
Date	Jul 6, 2022
Instrument	2022018990

Lender

Name	ISABELLA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 11099 Garden Rdg was $4,854 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	Tittabawassee Township
Unified School District	Freeland Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$149,900	$299,800
2025	$4,854.00 Homeowner's exemption
2023		$114,000	$228,000
2022	$3,234.00

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

FEMA maps place 11099 Garden Rdg in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	3 (2017–2020)
Claims Outside the SFHA	1 of 3
Most Recent Claim	May 2020 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2020 · 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 11099 Garden Rdg 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 98% of the US · lower than 95% 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 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20