Saginaw County property record for 1111 Howard St, Saginaw, MI 48601
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 2,584 sqft · built 1894 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | Individual Name on File |
| Last Sale | $5,000 (Apr 2008) |
| Tax Bill | $981 (2025) |
| Deeds & Mortgages | Feb 2023 Mortgage Feb 2020 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 90-80-0-28-5000-000 |
| Primary APN | 90-80-0-28-5000-000 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,584 sqft Living Area |
| 1st Floor Area | 1,292 sqft |
| Basement Area | 997 sqft |
| Unfinished Basement | 997 sqft |
| Year Built | Built 1894 |
|---|---|
| Effective Year Built | Effective 1894 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Roof Material | Asphalt |
| Lot Area | 6,098 sqft (0.14 acres) |
| Lot Dimensions | 120 ft deep x 50 ft wide |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 167 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 1111 HOWARD ST |
|---|---|
| City | SAGINAW |
| State | MI |
| Zip | 48601-2735 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | LOT 6,BLK.18,EMERSONS ADDITION |
| Legal Subdivision | EMERSONS ADD |
| Legal Block | 18 |
| Legal Lot Number | 6 |
| Legal Unit | 6 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | SAGINAW |
| Census Block Group | 1 |
| Census Block | 1043 |
| Census Tract | 600 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the South Jefferson Avenue Historic District listed 1982 · 121 contributing resources · NRIS 82002877 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
1111 Howard St is owned and occupied by an individual who acquired it in April 2019.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1111 HOWARD ST, SAGINAW, MI 48601-2735 |
| 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 |
|---|---|
| Feb 2, 2023 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Feb 24, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 2, 2008 · Amount on File |
| Deed Sale | Apr 2, 2008 · Amount on File |
| Prior Sale | Mar 21, 1996 · Amount on File |
| Deed Book / Page | 2485 / 1774 |
| Last Transfer Date | Apr 15, 2019 |
| Transfer Doc | 0000011123 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 1111 HOWARD ST, SAGINAW, MI 48601-2735 |
| Transaction Type | Mortgage |
| Record Updated | Feb 14, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1111 HOWARD ST, SAGINAW, MI 48601-2735 |
| Document Number | 0000002111 |
|---|---|
| Date | Feb 2, 2023 |
| Instrument | 2023002111 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2053 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Feb 24, 2020 |
| Property Address | 1111 HOWARD ST, SAGINAW, MI 48601-2735 |
| Document Number | 0000004196 |
| Instrument Date | Feb 24, 2020 |
| Instrument | 4196 |
| Transaction Type | Transfer |
| Record Updated | Mar 11, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 111 HOWARD ST SAGINAW MI 48601, SAGINAW, MI 48601 |
The 2025 property tax bill for 1111 Howard St was $981.
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| Municipality | Saginaw City |
| Unified School District | Saginaw City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $29,700 | $59,400 | |
| 2025 | $981.00 | ||
| 2023 | $18,600 | $37,200 | |
| 2022 | $863.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1111 Howard St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective March 29, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 1111 Howard St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF SAGINAW serves 44,058 people · EPA ID MI0005850 |
|---|---|
| Water Source | Purchased surface water from SAGINAW-MIDLAND WATER SUPPLY |
| Last State Inspection | Feb 2024 |
| Lead | 9 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 157 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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