Saginaw County property record for 11432 Teft Rd, Saint Charles, MI 48655
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,274 sqft · built 1997 |
| Lot Size | 1.25 acres (54,450 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $119,900 (Sep 2003) |
| Tax Bill | $2,069 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-11-3-20-4018-003 |
| Primary APN | 26-11-3-20-4018-003 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,274 sqft Living Area |
| 1st Floor Area | 1,274 sqft |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 54,450 sqft (1.25 acres) |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 84 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 11432 TEFT RD |
|---|---|
| City | SAINT CHARLES |
| State | MI |
| Zip | 48655-9560 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BEG AT A PT 200 FT E FROM S 1/4 CORN TH N 315.76 FT TH E 125 FT TH S49DEG E 99.31 FT TH S 250 FT TH W 200 FT TO POB 1.40 |
| Legal Range | 03E |
| Legal Township | 11N |
| Legal Section | 20 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | SWAN CREEK |
| Census Block Group | 1 |
| Census Block | 1039 |
| Census Tract | 11902 |
11432 Teft Rd is owned and occupied by two individuals who bought it in September 2003.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 11432 TEFT RD, SAINT CHARLES, MI 48655-9560 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 2, 2003 · Amount on File |
| Deed Sale | Sep 2, 2003 · Amount on File |
| Prior Sale | Aug 12, 2003 · Amount on File |
| Deed Document Number | 20037160387 |
| Deed Book / Page | 2256 / 1481 |
| Prior Transfer Date | Jun 13, 2003 |
| Prior Transfer Doc | 0007160387 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 11432 TEFT RD, SAINT CHARLES, MI 48655-9560 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|---|
| Address | 11432 TEFT RD, SAINT CHARLES, MI 48655-9560 |
| Document Number | 0000005835 |
|---|---|
| Date | Mar 23, 2026 |
| Instrument | 2026005835 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | 1050 WOODWARD AVE, DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
The 2025 property tax bill for 11432 Teft Rd was $2,069 with a homeowner's exemption.
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | Swan Creek Township |
| Unified School District | St. Charles Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $93,400 (+4.71%) | $186,800 (+4.71%) | |
| 2025 | $2,069.00 Homeowner's exemption | $89,200 | $178,400 |
| 2023 | $57,700 | $115,400 | |
| 2022 | $1,640.00 |
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.
FEMA maps place 11432 Teft Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.
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 | 5 in force |
| Nearby Flood Claims | 1 (2013) |
| Most Recent Claim | Apr 2013 · Flooding |
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 11432 Teft Rd is low, with 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 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SWAN CREEK TOWNSHIP serves 2,023 people · EPA ID MI0006502 |
|---|---|
| Water Source | Purchased surface water from CITY OF SAGINAW |
| Last State Inspection | Jul 2024 |
| Lead | Under 1 ppb (2023) 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 41 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures