120 E Gloucester Dr, Saginaw, MI 48609 Property Records

Saginaw County property record for 120 E Gloucester Dr, Saginaw, MI 48609

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,702 sqft · built 1974
Lot Size	0.303 acres (13,199 sqft)
Owner	Individual Name on File
Last Sale	$115,500 (Dec 2021)
Tax Bill	$694 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-12-3-27-4106-000`

Property Details

APN / Parcel Number

Primary APN	`28-12-3-27-4106-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	3 Stories
Building Area	1,702 sqft Living Area
1st Floor Area	1,035 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Tri-Level
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,199 sqft (0.303 acres)
Lot Dimensions	150 ft deep x 88 ft wide
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	24 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	120 E GLOUCESTER DR
City	SAGINAW
State	MI
Zip	48609-9457
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 6 GRATIOT ROAD SUB-DIV. A PART OF E 1/2 OF SE1/4 SEC 27 T12N R3E
Legal Range	03E
Legal Township	12N
Legal Section	27
Legal Subdivision	GRATIOT ROAD SUBDIVISION
Legal Lot Number	6
Legal Unit	6
Jurisdiction	SAGINAW MI
Township / Civil Division	THOMAS
Census Block Group	3
Census Block	3030
Census Tract	12003

Owner

Source: Saginaw County records · APN 28-12-3-27-4106-000

Assessment roll updated September 9, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	120 E GLOUCESTER DR, SAGINAW, MI 48609-9457
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 17, 2021 · Amount on Record
Deed Sale	Dec 17, 2021 · Amount on Record
Deed Document Number	202139533
Prior Transfer Date	Apr 11, 2016
Prior Transfer Doc	0000012685
Record Updated	Sep 20, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Dec 17, 2021
Property Address	120 E GLOUCESTER DR, SAGINAW, MI 48609-9457
Document Number	0000039533
Map Reference	LB 7 PG 48
Instrument Date	Dec 13, 2021
Instrument	2021039533
Transaction Type	Transfer
Record Updated	Dec 29, 2021
Title Company	SAGINAW BAY AREA TITLE AGENCY, SAGINAW BAY AREA TITLE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$866.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3736 MANISTEE ST, 3736, SAGINAW, MI 48603-3143

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 E GLOUCESTER DR, SAGINAW, MI 48609-9457

Mortgage

Document Number	0000039534
Date	Dec 17, 2021
Instrument	2021039534

Lender

Name	INDEPENDENT BANK
Type	Bank
Address	GRAND RAPIDS, MI 49525

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2052

Tax Assessment & Valuation

Source: Saginaw County records · Assessment roll updated September 9, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	Thomas Township
Unified School District	Swan Valley School District (PK - 12)

Tax Bill & Assessment History

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		$77,800 (+21.37%)	$155,600 (+21.37%)
2025	$694.00 (-71.67%) Homeowner's exemption
2023		$64,100	$128,200
2022	$2,450.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 29, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1986)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 1986 · Severe Storms & Flooding

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 171 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	THOMAS TOWNSHIP serves 11,931 people
Water Source	Purchased surface water from CITY OF SAGINAW
Last State Inspection	Jul 2023
Lead	2 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.