12216 Ithaca Rd, Saint Charles, MI 48655 Property Records

Saginaw County property record for 12216 Ithaca Rd, Saint Charles, MI 48655

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,531 sqft · built 1997
Lot Size	1.79 acres (77,972 sqft)
Owner	2 Individual Names on File
Last Sale	$248,000 (Mar 2018)
Tax Bill	$3,922 (2025)
Deeds & Mortgages	Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-10-3-06-4101-003`

Property Details

APN / Parcel Number

Primary APN	`24-10-3-06-4101-003`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,531 sqft Living Area
1st Floor Area	1,366 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	77,972 sqft (1.79 acres)
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces
Pool Area	512 sqft
Porch	Covered Porch
Porch Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12216 ITHACA RD
City	SAINT CHARLES
State	MI
Zip	48655-9531
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT S 1/4 CORN TH N68DEG E 1458.05 FT TH CONT N45DEG E 260 FT TH N59DEG E 179.46 FT TO POB OF THIS DESC TH N48DEG W 519.68 FT TH N54DEG E 50.67 FT TH S70DEG E 607.99 FT TO C/L OF ITHACA RD TH S39DEG W 93.19 FT TH S59DEG W 191.54 FT TO POB 2 ACRES
Legal Range	03E
Legal Township	10N
Legal Section	06
Jurisdiction	SAGINAW MI
Township / Civil Division	ST. CHARLES
Census Block Group	1
Census Block	1012
Census Tract	12600

Owner

Source: Saginaw County records · APN 24-10-3-06-4101-003

Assessment roll updated September 9, 2025 · Last verified July 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 File
Mailing Address	12216 ITHACA RD, SAINT CHARLES, MI 48655-9531
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 05, 2018 · Amount on Record
Deed Sale	Mar 05, 2018 · Amount on Record
Prior Sale	Jun 30, 2005 · Amount on Record
Deed Document Number	20184756
Record Updated	Sep 20, 2026

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Mar 05, 2018
Property Address	12216 ITHACA RD, SAINT CHARLES, MI 48655-9531
Document Number	0000004756
Instrument Date	Feb 16, 2018
Instrument	4756
Transaction Type	Transfer
Record Updated	Mar 19, 2018
Title Company	CROSSROADS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$248.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	35701 BRADSHAW DR CHESTERFIELD MI 480475829, CHESTERFIELD, MI 48047-5829

Mortgage

Document Number	4757
Date	Mar 05, 2018
Instrument	4757

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 04, 2048

Tax Assessment & Valuation

Source: Saginaw County records · Assessment roll updated September 9, 2025 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	St. Charles Township
Municipality	St. Charles Village
Unified School District	St. Charles Community Schools (KG - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$209,600 (+26.04%)	$419,200 (+26.04%)
2025	$3,922.00 (-0.71%) Homeowner's exemption
2023		$166,300	$332,600
2022	$3,950.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 29, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	7 (1986–2026)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Apr 2026
Claims by Event	Severe Storms & Flooding, Sep 1986 · 2 claims

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 170 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	VILLAGE OF ST. CHARLES serves 2,054 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.