Saginaw County property record for 12235 Ithaca Rd, Saint Charles, MI 48655 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,608 sqft · built 1984 |
| Lot Size | 1.52 acres (66,211 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $350,000 (Jun 2024) |
| Tax Bill | $3,502 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage May 2022 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-10-3-07-1002-019 |
| Primary APN | 24-10-3-07-1002-019 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,608 sqft Living Area |
| 1st Floor Area | 1,408 sqft |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Exterior Material | Combination |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 66,211 sqft (1.52 acres) |
| Garage Area | 1,560 sqft |
| Parking Spaces | 6 Parking Spaces |
| Porch | Covered Porch |
|---|---|
| Porch Area | 240 sqft |
| Deck Area | Deck Area |
| Patio Area | 96 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 12235 ITHACA RD |
|---|---|
| City | SAINT CHARLES |
| State | MI |
| Zip | 48655-9531 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COM AT N 1/4 CORN OF SEC TH N66DEG E 1053.81 FT TO POB TH CONT N66DEG E 264.25 FT TH S 270.7 FT TH S66DEG W 264.25 FT TH N 270.7 FT TO POB 1.52 ACRES VILLAGE OF ST CHARLES SEC 7 T10N R3E ***NEW # SPLIT FROM PARENT 1002-A04 10/22/03 |
| Legal Range | 03E |
| Legal Township | 10N |
| Legal Section | 07 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 12600 |
Source: Saginaw County records · APN 24-10-3-07-1002-019
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 | 223 W HOSMER ST, SAINT CHARLES, MI 48655-1727 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Nov 05, 2025 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| May 09, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FRANKENMUTH CU |
| Apr 08, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FRANKENMUTH CU |
| Sep 08, 2018 | Deed of Trust, Mortgage · FHA Mortgage MONEY SOURCE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 06, 2024 · Amount on Record |
| Deed Sale | Jun 06, 2024 · Amount on Record |
| Prior Sale | Feb 18, 2016 · Amount on Record |
| Deed Document Number | 202413799 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 12235 ITHACA RD, SAINT CHARLES, MI 48655-9531 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2025 |
| Name | Verified Name |
|---|---|
| Address | 12235 ITHACA RD, SAINT CHARLES, MI 48655-9531 |
| Document Number | 0000026004 |
|---|---|
| Date | Nov 05, 2025 |
| Instrument | 2025026004 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | 1050 WOODWARD AVE, DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 12235 ITHACA RD, SAINT CHARLES, MI 48655-9531 |
| Transaction Type | Mortgage |
| Record Updated | May 20, 2022 |
| Name | Verified Name |
|---|---|
| Address | 12235 ITHACA RD, SAINT CHARLES, MI 48655-9531 |
| Document Number | 0000013928 |
|---|---|
| Date | May 09, 2022 |
| Instrument | 2022013928 |
| Name | FRANKENMUTH CU |
|---|---|
| Type | Credit Union |
| Address | FRANKENMUTH, MI 48734 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 01, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 12235 ITHACA RD, SAINT CHARLES, MI 48655-9531 |
| Document Number | 0000009955 |
| Instrument Date | Apr 08, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2020 |
| Title Company | OTHER |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 12235 ITHACA RD ST CHARLES MI 486559531, ST CHARLES, MI 48655-9531 |
| Document Number | 0000009955 |
|---|---|
| Date | Apr 14, 2020 |
| Instrument | 9955 |
| Name | FRANKENMUTH CU |
|---|---|
| Type | Credit Union |
| Address | FRANKENMUTH, MI 48734 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 13, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 12235 ITHACA RD, SAINT CHARLES, MI 48655-9531 |
| Document Number | 0000024001 |
| Instrument Date | Sep 08, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2018 |
| Title Company | WORLDWIDE RECORDING INC |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 12235 ITHACA RD ST CHARLES MI 486559531, ST CHARLES, MI 48655-9531 |
| Document Number | 0000024001 |
|---|---|
| Date | Sep 14, 2018 |
| Instrument | 24001 |
| Name | MONEY SOURCE |
|---|---|
| Type | Funding / Finance Company |
| Address | MELVILLE, NY 11747 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 13, 2048 |
Source: Saginaw County records · Assessment roll updated September 9, 2025 · Last verified July 2026
| 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) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $141,200 (+26.41%) | $282,400 (+26.41%) | |
| 2025 | $3,502.00 (+31.46%) Homeowner's exemption | ||
| 2023 | $111,700 | $223,400 | |
| 2022 | $2,664.00 |
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
| 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 18 of 22 on primary residences |
| Nearby Flood Claims | 7 (1986–2026) |
| Claims Outside the SFHA | 1 of 7 |
| Most Recent Claim | Apr 2026 |
| Flood Events |
|
| 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.
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