Saginaw County property record for 12043 Palatial Dr, Freeland, MI 48623
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,012 sqft · built 1972 |
| Lot Size | 0.37 acres (16,117 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $146,000 (Jun 2018) |
| Tax Bill | $2,866 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Jun 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-13-3-18-2263-000 |
| Primary APN | 29-13-3-18-2263-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,012 sqft Living Area |
| 1st Floor Area | 810 sqft |
| Basement Area | 810 sqft |
| Finished Basement | 810 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 16,117 sqft (0.37 acres) |
| Lot Dimensions | 129 ft deep x 125 ft wide |
| Garage Area | 999 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Covered Porch |
|---|---|
| Porch Area | 39 sqft |
| Deck Area | Deck Area |
| Patio Area | 1,538 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 12043 PALATIAL DR |
|---|---|
| City | FREELAND |
| State | MI |
| Zip | 48623-9555 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | LOT 63 NORTHWAY MANOR NO 4 PART OF THE NE 1/4 OF SE 1/4 SEC 18 T13N R3E |
| Legal Range | 03E |
| Legal Township | 13N |
| Legal Section | 18 |
| Legal Subdivision | NORTHWAY MANOR 4 |
| Legal Lot Number | 63 |
| Legal Unit | 63 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | TITTABAWASSEE |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 10102 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 12043 PALATIAL DR, FREELAND, MI 48623-9555 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 22, 2026 | Deed of Trust, Mortgage · Line of Credit LAKE MICHIGAN CREDIT UNION |
| Jun 19, 2018 | Warranty Deed, Transfer · Conventional with PMI LAKE MI CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 19, 2018 · Amount on Record |
| Deed Sale | Jun 19, 2018 · Amount on Record |
| Prior Sale | Oct 29, 1998 · Amount on Record |
| Deed Document Number | 201817388 |
| Prior Transfer Date | Sep 24, 2004 |
| Prior Transfer Doc | 0007233422 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Jul 22, 2026 |
| Property Address | 12043 PALATIAL DR, FREELAND, MI 48623-9555 |
| Document Number | 0000019061 |
| Instrument Date | Jul 17, 2026 |
| Instrument | 202619061 |
| Transaction Type | Mortgage |
| Record Updated | Jul 30, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 12043 PALATIAL DR, FREELAND, MI 48623-9555 |
| Document Number | 0000019061, |
|---|---|
| Date | Jul 22, 2026 |
| Instrument | 202619061 |
| Name | LAKE MICHIGAN CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jul 15, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.47% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Jun 19, 2018 |
| Property Address | 12043 PALATIAL DR, FREELAND, MI 48623-9555 |
| Document Number | 0000017388 |
| Instrument Date | May 31, 2018 |
| Instrument | 17388 |
| Transaction Type | Transfer |
| Record Updated | Jul 5, 2018 |
| Title Company | CROSSROADS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $146.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3140 S ORR RD FREELAND MI 486239108, FREELAND, MI 48623-9108 |
| Document Number | 17389 |
|---|---|
| Date | Jun 19, 2018 |
| Instrument | 17389 |
| Name | LAKE MI CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49501 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 18, 2048 |
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | Tittabawassee Township |
| Unified School District | Freeland Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $89,400 (+27.71%) | $178,800 (+27.71%) | |
| 2025 | $2,866.00 (+24.5%) Homeowner's exemption | ||
| 2023 | $70,000 | $140,000 | |
| 2022 | $2,302.00 |
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.
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 | 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 |
|
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.
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.
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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