Saginaw County property record for 12220 Elms Rd, Birch Run, MI 48415
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,719 sqft · built 1994 |
| Lot Size | 1.23 acres (53,579 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $12,500 (Nov 1993) |
| Tax Bill | $3,143 (2025) |
| Deeds & Mortgages | Jun 2017 Mortgage Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-10-5-25-1002-003 |
| Primary APN | 27-10-5-25-1002-003 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,719 sqft Living Area |
| 1st Floor Area | 1,719 sqft |
| Basement Area | 1,215 sqft |
| Unfinished Basement | 1,215 sqft |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Raised Ranch |
| Exterior Material | Wood Siding |
| Lot Area | 53,579 sqft (1.23 acres) |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 275 sqft |
| Patio Area | 546 sqft |
| Total Buildings | 3 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 12220 ELMS RD |
|---|---|
| City | BIRCH RUN |
| State | MI |
| Zip | 48415-8786 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COM AT NE CORN OF SEC 25 TH S 1066.40 FT TO POB TH CONT S 203.56 FT TH W 264.30 FT TH N 203.56 FT TH E 264.30 FT TO POB 1.23 |
| Legal Range | 05E |
| Legal Township | 10N |
| Legal Section | 25 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | TAYMOUTH |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 13000 |
12220 Elms Rd is owned and occupied by two individuals who bought it in November 1993.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12220 ELMS RD, BIRCH RUN, MI 48415-8786 |
| 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 |
|---|---|
| Jun 26, 2017 | Deed of Trust, Mortgage STATE BANK |
| Sep 18, 2020 | Deed of Trust, Mortgage · Conventional Mortgage THE STATE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 12, 1993 · Amount on File |
| Deed Sale | Nov 12, 1993 · Amount on File |
| Deed Book / Page | 1884 / 13 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 12220 ELMS RD, BIRCH RUN, MI 48415-8786 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000019604 |
|---|---|
| Date | Jun 26, 2017 |
| Instrument | 2017019604 |
| Name | STATE BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 12220 ELMS RD, BIRCH RUN, MI 48415-8786 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 12220 ELMS RD, BIRCH RUN, MI 48415-8786 |
| Document Number | 0000023415 |
|---|---|
| Date | Sep 18, 2020 |
| Instrument | 2020023415 |
| Name | THE STATE BANK |
|---|---|
| Type | Bank |
| Address | FENTON, MI 48430 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2035 |
The 2025 property tax bill for 12220 Elms Rd was $3,143 with a homeowner's exemption.
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | Taymouth Township |
| Unified School District | Birch Run Area School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $143,000 | $286,000 | |
| 2025 | $3,143.00 Homeowner's exemption | ||
| 2023 | $111,200 | $222,400 | |
| 2022 | $2,595.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12220 Elms Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective March 29, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 12220 Elms Rd is low, with less than 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 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 25 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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