Saginaw County property record for 12036 Gasper Rd, Saint Charles, MI 48655
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,400 sqft · built 1972 |
| Lot Size | 1.74 acres (75,794 sqft) |
| Owner | Trust Name on File |
| Last Sale | $88,000 (May 1995) |
| Tax Bill | $3,165 (2025) |
| Deeds & Mortgages | May 2021 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 24-10-3-25-1006-000 |
| Primary APN | 24-10-3-25-1006-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 3 Stories |
| Building Area | 2,400 sqft Living Area |
| 1st Floor Area | 1,680 sqft |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Architectural Style | Tri-Level |
| Exterior Material | Combination |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 75,794 sqft (1.74 acres) |
| Garage Area | 2,208 sqft |
| Parking Spaces | 8 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 288 sqft |
| Deck Area | Deck Area |
| Patio Area | 126 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 12036 GASPER RD |
|---|---|
| City | SAINT CHARLES |
| State | MI |
| Zip | 48655-9634 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COM AT NE COR OF SEC 25 TH S ON C/L OF GASPER RD 532.65 FT TH W 358.95 FT TH N 38 DEG 54 MIN 31 SECONDS E 184.31 FT TH N 30 |
| Legal Range | 03E |
| Legal Township | 10N |
| Legal Section | 25 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 3 |
| Census Block | 3090 |
| Census Tract | 12600 |
12036 Gasper Rd is owner-occupied and held in a trust since October 2000.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 12036 GASPER RD, SAINT CHARLES, MI 48655-9634 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 19, 1995 · Amount on File |
| Deed Sale | May 19, 1995 · Amount on File |
| Deed Book / Page | 1937 / 984 |
| Last Transfer Date | Oct 6, 2000 |
| Transfer Doc | 0007009697 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 12036 GASPER RD, SAINT CHARLES, MI 48655-9634 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2021 |
| Title Company | ABSTRACT TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 12036 GASPER RD, SAINT CHARLES, MI 48655-9634 |
| Document Number | 2021016801 |
|---|---|
| Date | May 3, 2021 |
| Instrument | 2021016801 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 1, 2036 |
The 2025 property tax bill for 12036 Gasper Rd was $3,165 with a homeowner's exemption.
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | St. Charles Township |
| Unified School District | Chesaning Union Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $129,800 | $259,600 | |
| 2025 | $3,165.00 Homeowner's exemption | ||
| 2023 | $100,000 | $200,000 | |
| 2022 | $2,677.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12036 Gasper Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective March 29, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 593.3 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 16 policies |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 12 (1986–2020) |
| Most Recent Claim | May 2020 · Severe Storms And Flooding |
| Claims by Event |
|
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.
The area around 12036 Gasper Rd has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Brightspeed DSL | 100 / 10 |
May also be available: AT&T.
5G (outdoors only) and 4G LTE
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