11405 Ditch Rd, Oakley, MI 48649 Property Records

Saginaw County property record for 11405 Ditch Rd, Oakley, MI 48649

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,440 sqft · built 1962
Lot Size	2.18 acres (94,961 sqft)
Owner	Individual Name on Record
Last Sale	$165,000 (Dec 2021)
Tax Bill	$3,832 (2025)
Deeds & Mortgages	Mortgage Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-09-3-29-4164-000`

Property Details

APN / Parcel Number

Primary APN	`13-09-3-29-4164-000`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,440 sqft Living Area
1st Floor Area	1,440 sqft
Basement Area	1,440 sqft
Finished Basement	1,440 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Exterior Material	Combination
Roof Type	Gable
Roof Material	Asphalt
Lot Area	94,961 sqft (2.18 acres)
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	168 sqft
Deck Area	Deck Area
Patio Area	216 sqft

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	11405 DITCH RD
City	OAKLEY
State	MI
Zip	48649-9713
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	LOTS 14 & 15 BIRCHWOOD SUBDIVISION SEC 29 T09N R3E ***DESC CHANGED DUE TO COMB WITH 4165 2/5/98
Legal Range	03E
Legal Township	09N
Legal Section	29
Legal Subdivision	BIRCHWOOD SUBDIVISION
Legal Lot Number	14-15
Jurisdiction	SAGINAW MI
Township / Civil Division	CHESANING
Census Block Group	4
Census Block	4027
Census Tract	12700

Owner

Source: Saginaw County records, as of August 21, 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	11405 DITCH RD, OAKLEY, MI 48649-9713
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
	Deed of Trust, Mortgage
Dec 29, 2021	Warranty Deed, Transfer · Conventional Mortgage AMERISAVE MORTGAGE CORP
May 3, 2019	Deed of Trust, Mortgage · ARM STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2021 · Amount on Record
Deed Sale	Dec 29, 2021 · Amount on Record
Prior Sale	Oct 30, 1996 · Amount on Record
Deed Document Number	202140269
Prior Transfer Date	Aug 30, 2011
Prior Transfer Doc	0000024794
Record Updated	Oct 29, 2026

: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	11405 DITCH RD, OAKLEY, MI 48649-9713
Transaction Type	Mortgage
Record Updated	Nov 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11405 DITCH RD, OAKLEY, MI 48649-9713

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Dec 29, 2021
Property Address	11405 DITCH RD, OAKLEY, MI 48649-9713
Document Number	0000040269
Map Reference	LB 13 PG 3
Instrument Date	Nov 3, 2021
Instrument	2021040269
Transaction Type	Transfer
Record Updated	Jan 7, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,237.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 BENTLEY ST, CHESANING, MI 48616-1402

Mortgage

Document Number	0000040270
Date	Dec 29, 2021
Instrument	2021040270

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Dec 1, 2041

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	11405 DITCH RD, OAKLEY, MI 48649-9713
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012742
Date	May 3, 2019
Instrument	2019012742

Lender

Name	STATE BANK

Agreement

Type	ARM
Amount	Amount Recorded
Term	229 Months
Due	Jun 1, 2038

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	May 1, 2029
Index	1-Year CMT

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	Chesaning Township
Unified School District	Chesaning Union Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$136,300 (+33.5%)	$272,600 (+33.5%)
2025	$3,832.00 (+38.79%) Homeowner's exemption
2023		$102,100	$204,200
2022	$2,761.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.4% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T Fixed Wireless	25 / 3

May also be available: Brightspeed, Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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