11989 Baumgartner Rd, Saint Charles, MI 48655 Property Records

Saginaw County property record for 11989 Baumgartner Rd, Saint Charles, MI 48655

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,804 sqft · built 1970
Lot Size	4.53 acres (197,327 sqft)
Owner	Company Name on Record
Last Sale	$278,000 (Jun 2022)
Tax Bill	$3,790 (2025)
Deeds & Mortgages	Feb 2024 Transfer Nov 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-11-3-32-2006-001`

Property Details

APN / Parcel Number

Primary APN	`26-11-3-32-2006-001`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,804 sqft Living Area
1st Floor Area	1,348 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	197,327 sqft (4.53 acres)
Lot Dimensions	575 ft deep x 343 ft wide
Garage Area	1,312 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	80 sqft
Patio Area	40 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	11989 BAUMGARTNER RD
City	SAINT CHARLES
State	MI
Zip	48655-9675
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT NW CORN OF SEC 32 TH E 343.51 FT TH S 607.59 FT TH W 343.33 FT TH N 608.37 FT TO POB 4.79 ACRES SEC 32 T11N R3E
Legal Range	03E
Legal Township	11N
Legal Section	32
Jurisdiction	SAGINAW MI
Township / Civil Division	SWAN CREEK
Census Block Group	1
Census Block	1091
Census Tract	11902

Owner

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	Company Name on Record
Mailing Address	11989 BAUMGARTNER RD, SAINT CHARLES, MI 48655-9675
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2024	Intrafamily Transfer, Transfer
Nov 13, 2023	Correction Deed DIVERSIFIED NATIONAL TITLE AGENCY, DIVERSIFIED NATL TTL AGCY LL
Jun 1, 2022	Warranty Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP
Aug 25, 2020	Warranty Deed, Transfer · Conventional Mortgage TOWNE MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2022 · Amount on Record
Deed Sale	Jun 1, 2022 · Amount on Record
Prior Sale	Aug 25, 2020 · Amount on Record
Deed Document Number	202215966
Last Transfer Date	Jan 29, 2024
Transfer Doc	0000002121
Record Updated	Oct 29, 2026

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAGINAW MI
Recording Date	Feb 5, 2024
Property Address	11989 BAUMGARTNER RD, SAINT CHARLES, MI 48655-9675
Document Number	0000002121
Instrument Date	Dec 7, 2023
Instrument	2024002121
Transaction Type	Transfer
Record Updated	Mar 1, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11989 BAUMGARTNER RD, SAINT CHARLES, MI 48655-9675

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11989 BAUMGARTNER RD, SAINT CHARLES, MI 48655-9675

November 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	SAGINAW MI
Recording Date	Nov 13, 2023
Property Address	11989 BAUMGARTNER RD, SAINT CHARLES, MI 48655-9675
Document Number	0000024618
Instrument Date	Nov 13, 2023
Instrument	2023024618
Record Updated	Dec 4, 2023
Title Company	DIVERSIFIED NATIONAL TITLE AGENCY, DIVERSIFIED NATL TTL AGCY LL

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Jun 1, 2022
Property Address	11989 BAUMGARTNER RD, SAINT CHARLES, MI 48655-9675
Document Number	0000015966
Instrument Date	May 12, 2022
Instrument	2022015966
Transaction Type	Transfer
Record Updated	Jun 13, 2022
Title Company	DIVERSIFIED NATIONAL TITLE AGENCY, DIVERSIFIED NATL TTL AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,085.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11989 BAUMGARTNER RD, 11989, SAINT CHARLES, MI 48655-9675

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	447 BLUEBERRY CIR, OCEANSIDE, CA 92058-1648

Mortgage

Document Number	0000015967
Date	Jun 1, 2022
Instrument	2022015967

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Aug 25, 2020
Property Address	11989 BAUMGARTNER RD, SAINT CHARLES, MI 48655-9675
Document Number	2020021044
Instrument Date	Aug 21, 2020
Instrument	2020021044
Transaction Type	Transfer
Record Updated	Sep 2, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,762.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11989 BAUMGARTNER RD, 11989, SAINT CHARLES, MI 48655-9675

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11989 BAUMGARTNER RD, SAINT CHARLES, MI 48655-9675

Mortgage

Document Number	2020021045
Date	Aug 25, 2020
Instrument	2020021045

Lender

Name	TOWNE MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

Source: Saginaw County assessment roll, as of August 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	Swan Creek Township
Unified School District	St. Charles Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$136,600 (+39.39%)	$273,200 (+39.39%)
2025	$3,790.00 (+30.02%) Homeowner's exemption
2023		$98,000	$196,000
2022	$2,915.00

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.

Flood

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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	VILLAGE OF ST. CHARLES serves 2,054 people · EPA ID MI0006260
Water Source	Purchased surface water from CITY OF SAGINAW
Last State Inspection	Jul 2024
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 17 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

May also be available: T-Mobile.

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