Saginaw County property record for 12126 Gasper Rd, Saint Charles, MI 48655
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,177 sqft · built 1967 |
| Lot Size | 33.1 acres (1,442,707 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $40,000 (Jul 2011) |
| Tax Bill | $7,362 (2025) |
| Deeds & Mortgages | Mar 2020 Mortgage Jun 2019 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 24-10-3-25-1001-000 |
| Primary APN | 24-10-3-25-1001-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,177 sqft Living Area |
| 1st Floor Area | 2,177 sqft |
| Basement Area | 2,177 sqft |
| Unfinished Basement | 1,296 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 1,442,707 sqft (33.1 acres) |
| Garage Area | 918 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 196 sqft |
| Total Buildings | 4 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 12126 GASPER RD |
|---|---|
| City | SAINT CHARLES |
| State | MI |
| Zip | 48655-9634 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NE 1/4 OF NE 1/4 EXC 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 |
| 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 |
12126 Gasper Rd is owned and occupied by two individuals who acquired it in November 2016.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12126 GASPER RD, SAINT CHARLES, MI 48655-9634 |
| 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.
| Date | Document |
|---|---|
| Mar 26, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MERCANTILE BK/MI |
| Jun 24, 2019 | Deed of Trust, Mortgage MERCANTILE BK/MI |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 27, 2011 · Amount on File |
| Deed Sale | Jul 27, 2011 · Amount on File |
| Deed Document Number | 201121538 |
| Deed Book / Page | 2629 / 1857 |
| Last Transfer Date | Nov 1, 2016 |
| Transfer Doc | 0000028532 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 12126 GASPER RD, SAINT CHARLES, MI 48655-9634 |
| Document Number | 0000007085 |
| Instrument Date | Mar 26, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 12126 GASPER RD ST CHARLES MI 486559634, ST CHARLES, MI 48655-9634 |
| Document Number | 0000007085 |
|---|---|
| Date | Apr 1, 2020 |
| Instrument | 7085 |
| Name | MERCANTILE BK/MI |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49504 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 31, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 12126 GASPER RD, SAINT CHARLES, MI 48655-9634 |
| Document Number | 0000016760 |
| Instrument Date | Jun 24, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 8150 W BIRCH RUN RD ST CHARLES MI 486559639, ST CHARLES, MI 48655-9639 |
| Document Number | 0000016760 |
|---|---|
| Date | Jun 25, 2019 |
| Instrument | 16760 |
| Name | MERCANTILE BK/MI |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49504 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jun 24, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
The 2025 property tax bill for 12126 Gasper Rd was $7,362 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 | $257,800 | $515,600 | |
| 2025 | $7,362.00 Homeowner's exemption | ||
| 2023 | $225,300 | $450,600 | |
| 2022 | $6,144.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12126 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 12126 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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