Saginaw County property record for 11475 Ditch Rd, Oakley, MI 48649
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,112 sqft · built 1972 |
| Lot Size | 2.34 acres (101,930 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $182 (2025) |
| Deeds & Mortgages | Dec 2021 Transfer Oct 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-09-3-29-3033-000 |
| Primary APN | 13-09-3-29-3033-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,112 sqft Living Area |
| 1st Floor Area | 1,056 sqft |
| Basement Area | 1,056 sqft |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Lot Area | 101,930 sqft (2.34 acres) |
| Garage Area | 696 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 236 sqft |
| Patio Area | 579 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 11475 DITCH RD |
|---|---|
| City | OAKLEY |
| State | MI |
| Zip | 48649-9713 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1A |
| Legal Description | E 500 FT OF THAT PART OF GOVT LOT 5 LYING S OF DITCH RD & N OF SHIAWASSEE RIVER IN SW 1/4 EXC E LY 200 FT THEREOF & ALSO COM |
| Legal Range | 03E |
| Legal Township | 09N |
| Legal Section | 29 |
| Legal Lot Number | 5 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | CHESANING |
| Census Block Group | 4 |
| Census Block | 4027 |
| Census Tract | 12700 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 11475 DITCH RD, OAKLEY, MI 48649-9713 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 7, 2021 | Intrafamily Transfer, Transfer |
| Oct 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FRANKENMUTH CU |
| Mar 5, 2021 | Warranty Deed, Transfer CROSSROADS TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Dec 2, 2021 |
| Transfer Doc | 0000038505 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Dec 7, 2021 |
| Property Address | 11475 DITCH RD, OAKLEY, MI 48649-9713 |
| Document Number | 0000038505 |
| Instrument Date | Dec 2, 2021 |
| Instrument | 2021038505 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 11475 DITCH RD, OAKLEY, MI 48649-9713 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 11475 DITCH RD, OAKLEY, MI 48649-9713 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2021 |
| Name | Verified Name |
|---|---|
| Address | 11475 DITCH RD, OAKLEY, MI 48649-9713 |
| Document Number | 2021034737 |
|---|---|
| Date | Oct 29, 2021 |
| Instrument | 2021034737 |
| Name | FRANKENMUTH CU |
|---|---|
| Type | Credit Union |
| Address | FRANKENMUTH, MI 48734 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Mar 5, 2021 |
| Property Address | 11475 DITCH RD, OAKLEY, MI 48649-9713 |
| Document Number | 2021006805 |
| Instrument Date | Feb 25, 2021 |
| Instrument | 2021006805 |
| Transaction Type | Transfer |
| Record Updated | Sep 2, 2021 |
| Title Company | CROSSROADS TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $11.25 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 215 N LINE ST, 215, CHESANING, MI 48616-1239 |
| Name | Verified Name |
|---|---|
| Address | 11475 DITCH RD, OAKLEY, MI 48649-9713 |
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | Chesaning Township |
| Unified School District | Chesaning Union Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $105,600 (+50.64%) | $211,200 (+50.64%) | |
| 2025 | $182.00 Homeowner's exemption | ||
| 2023 | $70,100 | $140,200 | |
| 2022 | $1,724.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 87% 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 37 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
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