Saginaw County property record for 118 E 3rd St, Oakley, MI 48649 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $47 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit May 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-09-3-31-0318-700 |
| Primary APN | 07-09-3-31-0318-700 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Lot Area | 5,227 sqft (0.12 acres) |
|---|---|
| Lot Dimensions | 132 ft deep x 40 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 118 E 3RD ST |
|---|---|
| City | OAKLEY |
| State | MI |
| Zip | 48649-2507 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 1 BLK 2 PHILIP MICKLES DIVISION VILLAGE OF OAKLEY SEC 31 T09N R3E |
| Legal Range | 03E |
| Legal Township | 09N |
| Legal Section | 31 |
| Legal Subdivision | PHILIP MICKLES DIVISION |
| Legal Block | 2 |
| Legal Lot Number | 1 |
| Legal Unit | 1 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | BRADY |
| Census Block Group | 4 |
| Census Block | 4042 |
| Census Tract | 12500 |
Source: Saginaw County records · APN 07-09-3-31-0318-700
Assessment roll updated September 9, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 118 E 3RD ST, OAKLEY, MI 48649-2507 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 26, 2025 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| May 04, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE 1 INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 118 E 3RD ST, OAKLEY, MI 48649-2507 |
| Transaction Type | Mortgage |
| Record Updated | Jan 06, 2026 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 53, OAKLEY, MI 48649-0053 |
| Document Number | 0000029450 |
|---|---|
| Date | Dec 26, 2025 |
| Instrument | 2025029450 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | 1 CITIZENS PLZ, PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Dec 21, 2050 |
| Change Frequency | Monthly |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 118 E 3RD ST, OAKLEY, MI 48649-2507 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2021 |
| Title Company | CRISLO TITLE COMPANY, CISLO TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 2021017067 |
|---|---|
| Date | May 04, 2021 |
| Instrument | 2021017067 |
| Name | MORTGAGE 1 INC |
|---|---|
| Type | Mortgage Company |
| Address | STERLING HEIGHTS, MI 48314 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2051 |
Source: Saginaw County records · Assessment roll updated September 9, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | Brady Township |
| Municipality | Oakley Village |
| Unified School District | Chesaning Union Schools (KG - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,900 (+36.21%) | $15,800 (+36.21%) | |
| 2025 | $47.00 (-44.71%) Homeowner's exemption | ||
| 2023 | $5,800 | $11,600 | |
| 2022 | $85.00 |
Source: FEMA National Flood Hazard Layer, Saginaw County (26145C), updated March 29, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 2% of the US · above 4% of Michigan |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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