Saginaw County property record for 117 E 1st St, Oakley, MI 48649
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,212 sqft · built 1890 |
| Lot Size | 0.76 acres (33,106 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,544 (2025) |
| Deeds & Mortgages | Oct 2026 Line of Credit Jun 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-09-3-31-0407-000 |
| Primary APN | 07-09-3-31-0407-000 |
|---|---|
| Alternative APN |
|
| Lot Area | 33,106 sqft (0.76 acres) |
|---|---|
| Porch | Porch |
| Porch Area | 60 sqft |
| Street Address | 117 E 1ST ST |
|---|---|
| City | OAKLEY |
| State | MI |
| Zip | 48649 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BEG ON E LINE OF BLK 2, HENRY PARSHALL'S DIVISION OF THE VILLAGE OF OAKLEY, N 87?47'16" E 305.63 FT & S 00?57'15" E 117.69 FT |
| Legal Range | 03E |
| Legal Township | 09N |
| Legal Section | 31 |
| Legal Subdivision | HENRY PARSHALLS DIVISION |
| Legal Block | S,2 |
| Legal Lot Number | 2 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | BRADY |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 12500 |
Source: Saginaw County records, as of August 21, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | PO BOX 214, OAKLEY, MI 48649-0214 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 7, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Jun 7, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Aug 26, 2016 |
| Transfer Doc | 0000023428 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Oct 7, 2026 |
| Property Address | 117 E 1ST ST, OAKLEY, MI 48649 |
| Document Number | 0000025266 |
| Instrument Date | Sep 25, 2026 |
| Instrument | 202625266 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 117 E 1ST ST, OAKLEY, MI 48649 |
| Document Number | 0000025266, |
|---|---|
| Date | Oct 7, 2026 |
| Instrument | 202625266 |
| Name | CITIZENS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Sep 30, 2051 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 117 E 1ST ST, OAKLEY, MI 48649 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2022 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | PO BOX 214, OAKLEY, MI 48649-0214 |
| Document Number | 0000016422 |
|---|---|
| Date | Jun 7, 2022 |
| Instrument | 2022016422 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | May 24, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | Brady Township |
| Municipality | Oakley Village |
| Unified School District | Chesaning Union Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $42,700 (+57.56%) | $85,400 (+57.56%) | |
| 2025 | $1,544.00 (+142.39%) Homeowner's exemption | ||
| 2023 | $27,100 | $54,200 | |
| 2022 | $637.00 |
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
| 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.
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.
Source: FCC Broadband Data Collection, based on 52 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 |
May also be available: AT&T.
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