12220 Ithaca Rd, Saint Charles, MI 48655 Property Records

Saginaw County property record for 12220 Ithaca Rd, Saint Charles, MI 48655 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,666 sqft · built 1992
Lot Size	1.71 acres (74,488 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (May 2020)
Tax Bill	$2,779 (2025)
Deeds & Mortgages	Oct 2021 Transfer May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-10-3-06-4101-002`

Property Details

APN / Parcel Number

Primary APN	`24-10-3-06-4101-002`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,666 sqft Living Area
1st Floor Area	1,400 sqft
Basement Area	1,400 sqft
Finished Basement	1,400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	74,488 sqft (1.71 acres)
Garage Area	648 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	348 sqft
Deck Area	Deck Area
Patio Area	964 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12220 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 ALONG C/L OF ITHACA RD TO A DEFLECTION PT TH N45DEG E 149.73 FT TO POB TH N22DEG W 521.13 FT TH N54DEG E 50.67 FT TH S48DEG E 519.68 FT TO C/L OF ITHACA RD TH S59DEG W 179.46 FT TO A DEFLECTION PT TH S45DEG W
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 24-10-3-06-4101-002

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	12220 ITHACA RD, SAINT CHARLES, MI 48655-9531
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2021	Intrafamily Transfer, Transfer
May 29, 2020	Warranty Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 29, 2020 · Amount on Record
Deed Sale	May 29, 2020 · Amount on Record
Prior Sale	Jun 25, 2014 · Amount on Record
Deed Document Number	202014199
Last Transfer Date	Oct 14, 2021
Transfer Doc	2021033242
Record Updated	Sep 20, 2026

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAGINAW MI
Recording Date	Oct 14, 2021
Property Address	12220 ITHACA RD, SAINT CHARLES, MI 48655-9531
Document Number	2021033242
Instrument Date	Oct 14, 2021
Instrument	2021033242
Transaction Type	Transfer
Record Updated	Jun 07, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	12220 ITHACA RD, SAINT CHARLES, MI 48655-9531

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	May 29, 2020
Property Address	12220 ITHACA RD, SAINT CHARLES, MI 48655-9531
Document Number	2020014199
Instrument Date	May 15, 2020
Instrument	2020014199
Transaction Type	Transfer
Record Updated	Sep 02, 2021
Title Company	CROSSROADS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,687.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	205 KENNELY RD, 205, SAGINAW, MI 48609-6775

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12220 ITHACA RD, SAINT CHARLES, MI 48655-9531
Investor	Possibly a Property Investor

Mortgage

Document Number	2020014200
Date	May 29, 2020
Instrument	2020014200

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2050

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		$147,500 (+11.83%)	$295,000 (+11.83%)
2025	$2,779.00 (+1.09%) Homeowner's exemption	$131,900 (+14.1%)	$263,800 (+14.1%)
2023		$115,600	$231,200
2022	$2,749.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Saginaw County (26145C), updated March 29, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261450126001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 22 individual NFIP policies nearby
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 Storm	Severe Storms & Flooding, Sep 1986 · 2 claims

Wildfire

Wildfire Risk	Low above 20% of the US · above 52% of Michigan
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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, availability as of December 31, 2025 · Published October 2026 · based on 23 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 50
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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