Saginaw County property record for 12245 Bell Rd, Burt, MI 48417
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,410 sqft · built 2003 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $69,990 (Jun 2016) |
| Tax Bill | $2,907 (2025) |
| Deeds & Mortgages | Jul 2018 Refinance Nov 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-10-5-28-2002-009 |
| Primary APN | 27-10-5-28-2002-009 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,410 sqft Living Area |
| 1st Floor Area | 1,410 sqft |
| Basement Area | 1,410 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Raised Ranch |
| Exterior Material | Wood Siding |
| Lot Area | 87,120 sqft (2 acres) |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 336 sqft |
| Patio Area | 600 sqft |
| Total Buildings | 3 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 12245 BELL RD |
|---|---|
| City | BURT |
| State | MI |
| Zip | 48417-2313 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COM NW CORN OF SEC 28 TH S 1083 FT TO POB TH E 392.57 FT TH S 240.13 FT TH W 95.75 FT TH N 29.64 FT TH W 297 FT TH N 221.73 |
| Legal Range | 05E |
| Legal Township | 10N |
| Legal Section | 28 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | TAYMOUTH |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 13000 |
Source: Saginaw County records, as of August 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 12245 BELL RD, BURT, MI 48417-2313 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 3, 2018 | Deed of Trust, Mortgage · Stand-Alone Refinance 3 RIVERS FEDERAL CREDIT UNION |
| Nov 18, 2019 | Deed of Trust, Mortgage · ARM 3 RIVERS FEDERAL CREDIT UNION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 9, 2016 · Amount on Record |
| Deed Sale | Jun 9, 2016 · Amount on Record |
| Prior Sale | May 16, 2005 |
| Deed Document Number | 201617124 |
| Deed Book / Page | 2860 / 1990 |
| Prior Transfer Date | Jun 2, 2016 |
| Prior Transfer Doc | 0000017126 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 12245 BELL RD, BURT, MI 48417-2313 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000018602 |
|---|---|
| Date | Jul 3, 2018 |
| Instrument | 2018018602 |
| Name | 3 RIVERS FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 337 Months |
| Due | Aug 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 12245 BELL RD, BURT, MI 48417-2313 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000028203 |
|---|---|
| Date | Nov 18, 2019 |
| Instrument | 2019028203 |
| Name | 3 RIVERS FEDERAL CREDIT UNION |
|---|
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Dec 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.2% |
| Type Change Date | Dec 1, 2026 |
| Index | 1-Year CMT |
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 | $127,500 (+8.6%) | $255,000 (+8.6%) | |
| 2025 | $2,907.00 (+19.29%) Homeowner's exemption | $117,400 (+15.1%) | $234,800 (+15.1%) |
| 2023 | $102,000 | $204,000 | |
| 2022 | $2,437.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 29, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 2 (1985–1986) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Sep 1986 · Severe Storms & Flooding |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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