12020 Palatial Dr, Freeland, MI 48623 Property Records

Saginaw County property record for 12020 Palatial Dr, Freeland, MI 48623

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,232 sqft · built 1971
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on Record
Last Sale	$159,000 (Nov 2004)
Tax Bill	$3,271 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Nov 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-13-3-17-2241-000`

Property Details

APN / Parcel Number

Primary APN	`29-13-3-17-2241-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,232 sqft Living Area
1st Floor Area	1,232 sqft
Basement Area	1,232 sqft
Finished Basement	1,232 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,375 sqft (0.33 acres)
Lot Dimensions	131 ft deep x 110 ft wide
Garage Area	702 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	212 sqft
Deck Area	Deck Area
Patio Area	576 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12020 PALATIAL DR
City	FREELAND
State	MI
Zip	48623-9514
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 41 NORTHWAY MANOR NO 3 SEC 17 T13N R3E
Legal Range	03E
Legal Township	13N
Legal Section	17
Legal Subdivision	NORTHWAY MANOR 3
Legal Lot Number	41
Legal Unit	41
Jurisdiction	SAGINAW MI
Township / Civil Division	TITTABAWASSEE
Census Block Group	1
Census Block	1028
Census Tract	10102

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	2 Individual Names on Record
Mailing Address	12020 PALATIAL DR, FREELAND, MI 48623-9514
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2023	Deed of Trust, Mortgage · Line of Credit WILDFIRE CU
Nov 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2004 · Amount on Record
Deed Sale	Nov 3, 2004 · Amount on Record
Prior Sale	Oct 25, 2004 · Amount on Record
Deed Document Number	20047234220
Deed Book / Page	2288 / 1429
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	12020 PALATIAL DR, FREELAND, MI 48623-9514
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12020 PALATIAL DR, FREELAND, MI 48623-9514

Mortgage

Document Number	0000003227
Date	Feb 21, 2023
Instrument	2023003227

Lender

Name	WILDFIRE CU
Type	Credit Union
Address	SAGINAW, MI 48605

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 14, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	12020 PALATIAL DR, FREELAND, MI 48623-9514
Transaction Type	Mortgage
Record Updated	Nov 15, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12020 PALATIAL DR, FREELAND, MI 48623-9514

Mortgage

Document Number	2021034974
Date	Nov 2, 2021
Instrument	2021034974

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2036

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	Tittabawassee Township
Unified School District	Freeland Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$114,400 (+30.15%)	$228,800 (+30.15%)
2025	$3,271.00 (+25.28%) Homeowner's exemption
2023		$87,900	$175,800
2022	$2,611.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	3 (2017–2020)
Claims Outside the SFHA	1 of 3
Most Recent Claim	May 2020 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2020 · 2 claims

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 97% of the US · lower than 93% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 138 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
LakeNet Fiber	1,000 / 500

May also be available: Verizon.

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