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12224 Ithaca Rd, Saint Charles, MI 48655 Property Records

Saginaw County property record for 12224 Ithaca Rd, Saint Charles, MI 48655 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 3,187 sqft · built 1994
Lot Size1.84 acres (80,150 sqft)
OwnerCompany Name on File
Last Sale$9,500 (Dec 1991)
Tax Bill$4,439 (2025)
Deeds & MortgagesApr 2019 Mortgage
Flood ZoneZone X (minimal risk)
APN24-10-3-06-4101-004

Property Details

APN / Parcel Number

Primary APN24-10-3-06-4101-004

Interior

Bedrooms4 Beds
Full Baths3 Baths
Total Rooms7 Rooms
Stories2 Stories
Building Area3,187 sqft Living Area
1st Floor Area2,243 sqft
Basement Area2,243 sqft
Unfinished Basement2,231 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1994
Effective Year BuiltEffective 1994
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area80,150 sqft (1.84 acres)
Garage Area2,126 sqft
Parking Spaces7 Parking Spaces

Exterior Amenities

PorchCovered Porch
Porch Area36 sqft
Deck AreaDeck Area
Patio Area304 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas
SewerStorm Sewer

Location & Zoning

Street Address12224 ITHACA RD
CitySAINT CHARLES
StateMI
Zip48655-9531
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCOM AT S 1/4 CORN OF SEC 6 TH N68DEG E 1318.05 FT TO E 1/8 LINE & POB TH N 607.03 FT TH N54DEG E 50.67 FT TH S 22DEG E 521.13 FT TO C/L OF ITHACA RD TH S45DEG W 149.73 FT TO S SEC LINE TH S68DEG W 140 FT TO POB 2.05 ACRES VILLAGE OF ST CHARLES SEC 6
Legal Range03E
Legal Township10N
Legal Section06
JurisdictionSAGINAW MI
Township / Civil DivisionST. CHARLES
Census Block Group1
Census Block1012
Census Tract12600

Owner

Source: Saginaw County records · APN 24-10-3-06-4101-004

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 RecordCompany Name on File
Mailing AddressPO BOX 81, SAINT CHARLES, MI 48655-0081
OccupancyOwner Occupied
Owner TypeCompany
VestingLife Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 06, 1991 · Amount on Record
Deed SaleDec 06, 1991 · Amount on Record
Deed Book / Page1900 / 1396
Record UpdatedSep 20, 2026

April 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAGINAW MI
Property Address12224 ITHACA RD, SAINT CHARLES, MI 48655-9531
Document Number0000011941
Instrument DateApr 11, 2019
Transaction TypeMortgage
Record UpdatedMay 16, 2019
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address12224 ITHACA RD ST CHARLES MI 486559531, ST CHARLES, MI 48655-9531

Mortgage

Document Number0000011941
DateApr 23, 2019
Instrument11941
Lender
NameHUNTINGTON NAT'L BK
TypeBank
AddressCOLUMBUS, OH 43231
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 22, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMichigan
CountySaginaw County
County SubdivisionSt. Charles Township
MunicipalitySt. Charles Village
Unified School DistrictSt. 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.

YearTax BillAssessed ValueAssessed Market Value
2026$290,800 (+29.76%)$581,600 (+29.76%)
2025$4,439.00 (-1.68%) Homeowner's exemption
2023$224,100$448,200
2022$4,515.00

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 22 individual NFIP policies nearby
Nearby Flood Policies22 in force
Nearby Flood Claims7 (1986–2026)
Claims Outside the SFHA1 of 7
Most Recent ClaimApr 2026
Claims By Storm
  • Severe Storms & Flooding, Sep 1986 · 2 claims

Wildfire

Wildfire RiskLow
above 20% of the US · above 52% of Michigan
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureDirect
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

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 50
StarlinkSatellite (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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