12047 Baumgartner Rd, Saint Charles, MI 48655 Property Records

Saginaw County property record for 12047 Baumgartner Rd, Saint Charles, MI 48655

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,620 sqft · built 1998
Lot Size	1.38 acres (60,113 sqft)
Owner	2 Individual Names on File
Last Sale	$315,000 (May 2022)
Tax Bill	$4,452 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Feb 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-11-3-31-1001-003`

Property Details

APN / Parcel Number

Primary APN	`26-11-3-31-1001-003`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,620 sqft Living Area
1st Floor Area	1,620 sqft
Basement Area	1,620 sqft
Finished Basement	1,620 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	60,113 sqft (1.38 acres)
Lot Dimensions	377 ft deep x 160 ft wide
Garage Area	816 sqft
Parking Spaces	3 Parking Spaces
Porch	Covered Porch
Porch Area	40 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12047 BAUMGARTNER RD
City	SAINT CHARLES
State	MI
Zip	48655-9675
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG AT NE CORN OF SEC 31 TH W 158.81 FT TO POB TH S 410 FT TH W 159.63 FT TH N 411.44 FT TH E 158.81 FT TO POB 1.50 ACRES SEC
Legal Range	03E
Legal Township	11N
Legal Section	31
Jurisdiction	SAGINAW MI
Township / Civil Division	SWAN CREEK
Census Block Group	1
Census Block	1091
Census Tract	11902

Owner

12047 Baumgartner Rd is owned and occupied by two individuals who bought it in May 2022.

Source: Saginaw County records, as of August 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12047 BAUMGARTNER RD, SAINT CHARLES, MI 48655-9675
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 12, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NEWREZ LLC
May 4, 2022	Warranty Deed, Transfer · Conventional Mortgage HEALTH ADVANTAGE FEDERAL CU
Aug 24, 2018	Warranty Deed, Transfer · Conventional with PMI SOMERSET LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2022 · Amount on File
Deed Sale	May 4, 2022 · Amount on File
Prior Sale	Aug 24, 2018 · Amount on File
Deed Document Number	202213653
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	12047 BAUMGARTNER RD, SAINT CHARLES, MI 48655-9675
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12047 BAUMGARTNER RD, SAINT CHARLES, MI 48655-9675

Mortgage

Document Number	0000029490
Date	Sep 9, 2021
Instrument	2021029490

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	Oct 1, 2028
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7.5%
Index	Other
Margin	3
Max Rate	7.5%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	12047 BAUMGARTNER RD, SAINT CHARLES, MI 48655-9675
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003355
Date	Feb 12, 2020
Instrument	2020003355

Lender

Name	NEWREZ LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	May 4, 2022
Property Address	12047 BAUMGARTNER RD, SAINT CHARLES, MI 48655-9675
Document Number	0000013653
Instrument Date	Apr 20, 2022
Instrument	2022013653
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	DIVERSIFIED NATIONAL TITLE AGENCY, DIVERSIFIED NATL TTL AGCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,362.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12047 BAUMGARTNER RD, 12047, SAINT CHARLES, MI 48655-9675

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1600 WILSON AVE, SAGINAW, MI 48638-4756

Mortgage

Document Number	0000013654
Date	May 4, 2022
Instrument	2022013654

Lender

Name	HEALTH ADVANTAGE FEDERAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Aug 24, 2018
Property Address	12047 BAUMGARTNER RD, SAINT CHARLES, MI 48655-9675
Document Number	0000022350
Instrument Date	Aug 10, 2018
Instrument	22350
Transaction Type	Transfer
Record Updated	Sep 7, 2018
Title Company	CROSSROADS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$228.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7027 HATCHERY RD WATERFORD MI 483271134, WATERFORD, MI 48327-1134

Mortgage

Document Number	22351
Date	Aug 24, 2018
Instrument	22351

Lender

Name	SOMERSET LNDG
Address	ROCHESTER, MI 48307

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 23, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 12047 Baumgartner Rd was $4,452 with a homeowner's exemption.

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		$153,700	$307,400
2025	$4,452.00 Homeowner's exemption
2023		$116,000	$232,000
2022	$3,485.00

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

FEMA maps place 12047 Baumgartner Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.

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

Wildfire risk around 12047 Baumgartner Rd is low, with a 0.01% annual chance of 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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