Saginaw County property record for 118 E 4th St, Oakley, MI 48649 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,135 sqft · built 1949 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $22,500 (Nov 1974) |
| Tax Bill | $1,444 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Oct 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-09-3-31-0321-000 |
| Primary APN | 07-09-3-31-0321-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,135 sqft Living Area |
| 1st Floor Area | 1,102 sqft |
| Basement Area | 897 sqft |
| Unfinished Basement | 897 sqft |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Exterior Material | Wood Siding |
| Lot Area | 17,424 sqft (0.4 acres) |
| Lot Dimensions | 132 ft deep x 132 ft wide |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 393 sqft |
| Patio Area | 384 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 118 E 4TH ST |
|---|---|
| City | OAKLEY |
| State | MI |
| Zip | 48649-2509 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 1 & 2 BLK 3 PHILIP MICKLES DIVISION VILLAGE OF OAKLEY SEC 31 T9N R3E |
| Legal Range | 03E |
| Legal Township | 09N |
| Legal Section | 31 |
| Legal Subdivision | PHILIP MICKLES DIVISION |
| Legal Block | 3 |
| Legal Lot Number | 1-2 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | BRADY |
| Census Block Group | 4 |
| Census Block | 4049 |
| Census Tract | 12500 |
Source: Saginaw County records · APN 07-09-3-31-0321-000
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 | PO BOX 52, OAKLEY, MI 48649-0052 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 06, 2025 | Deed of Trust, Mortgage · SBA Mortgage THE HUNTINGTON NATIONAL BANK |
| Oct 23, 2025 | Deed of Trust, Mortgage · SBA Mortgage THE HUNTINGTON NATIONAL BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 06, 1974 · Amount on Record |
| Deed Sale | Nov 06, 1974 · Amount on Record |
| Deed Book / Page | 1435 / 506 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 118 E 4TH ST, OAKLEY, MI 48649-2509 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2025 |
| Name | Verified Name |
|---|---|
| Address | 118 E 4TH ST, OAKLEY, MI 48649-2509 |
| Document Number | 0000026051 |
|---|---|
| Date | Nov 06, 2025 |
| Instrument | 2025026051 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | 801 W BIG BEAVER RD, TROY, MI 48084 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 118 E 4TH ST, OAKLEY, MI 48649-2509 |
| Transaction Type | Mortgage |
| Record Updated | Nov 03, 2025 |
| Name | Verified Name |
|---|---|
| Address | 118 E 4TH ST, OAKLEY, MI 48649-2509 |
| Document Number | 0000025089 |
|---|---|
| Date | Oct 23, 2025 |
| Instrument | 2025025089 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | 801 W BIG BEAVER RD, TROY, MI 48084 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount Recorded |
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 and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $76,700 (+14.65%) | $153,400 (+14.65%) | |
| 2025 | $1,444.00 (-14.66%) Homeowner's exemption | ||
| 2023 | $66,900 | $133,800 | |
| 2022 | $1,692.00 |
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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