12251 Carr Rd, Saint Charles, MI 48655 Property Records

Saginaw County property record for 12251 Carr Rd, Saint Charles, MI 48655

Property Summary

Property Type	Manufactured or Modular Home
Details	2 bd · 2 ba · 1,593 sqft · built 2013
Lot Size	2.37 acres (103,237 sqft)
Owner	Individual Name on File
Last Sale	$180,000 (Sep 2022)
Tax Bill	$979 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-10-3-29-1009-000`

Property Details

APN / Parcel Number

Primary APN	`24-10-3-29-1009-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,593 sqft Living Area
1st Floor Area	1,593 sqft

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	103,237 sqft (2.37 acres)
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	35 sqft
Deck Area	Deck Area
Patio Area	64 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	12251 CARR RD
City	SAINT CHARLES
State	MI
Zip	48655-9660
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Legal Description	S 551 FT OF W 220 FT OF S 1/2 OF NE 1/4 2.78 ACRES SEC 29 T10N R3E SEC 29 T10N R3E
Legal Range	03E
Legal Township	10N
Legal Section	29
Jurisdiction	SAGINAW MI
Township / Civil Division	ST. CHARLES
Census Block Group	3
Census Block	3056
Census Tract	12600

Owner

Source: Saginaw County records · APN 24-10-3-29-1009-000

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	Individual Name on File
Mailing Address	12251 CARR RD, SAINT CHARLES, MI 48655-9660
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2022	Warranty Deed, Transfer · Conventional Mortgage JOLT CREDIT UNION
Jun 22, 2018	Warranty Deed, Transfer · FHA Mortgage CASON HM LNS

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 20, 2022 · Amount on Record
Deed Sale	Sep 20, 2022 · Amount on Record
Prior Sale	Jun 22, 2018 · Amount on Record
Deed Document Number	202224822
Record Updated	Sep 20, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Sep 20, 2022
Property Address	12251 CARR RD, SAINT CHARLES, MI 48655-9660
Document Number	0000024822
Instrument Date	Sep 09, 2022
Instrument	2022024822
Transaction Type	Transfer
Record Updated	Oct 07, 2022
Title Company	SAGINAW BAY AREA TITLE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,350.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12251 CARR RD, 12251, SAINT CHARLES, MI 48655-9660

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12251 CARR RD, SAINT CHARLES, MI 48655-9660
Investor	Possibly a Property Investor

Mortgage

Document Number	0000024823
Date	Sep 20, 2022
Instrument	2022024823

Lender

Name	JOLT CREDIT UNION
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Oct 01, 2032

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Jun 22, 2018
Property Address	12251 CARR RD, SAINT CHARLES, MI 48655-9660
Document Number	0000017775
Instrument Date	Jun 15, 2018
Instrument	17775
Transaction Type	Transfer
Record Updated	Jul 11, 2018
Title Company	GARROW TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$118.72
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	622 CHESANING ST ST CHARLES MI 486551706, ST CHARLES, MI 48655-1706

Mortgage

Document Number	17776
Date	Jun 22, 2018
Instrument	17776

Lender

Name	CASON HM LNS
Type	Funding / Finance Company
Address	PALM BEACH GARDENS, FL 33418

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 21, 2048

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
Unified School District	Chesaning Union Schools (KG - 12)

Tax Bill & Assessment History

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		$108,200 (+38.72%)	$216,400 (+38.72%)
2025	$979.00 (-56.89%) Homeowner's exemption
2023		$78,000	$156,000
2022	$2,271.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 29, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	12 (1986–2020)
Most Recent Claim	May 2020 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2020 · 2 claims Flooding, Apr 2013 · 2 claims Severe Storms & Flooding, Sep 1986 · 7 claims

Wildfire

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.4% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

Based on FCC filings for 5 locations within half a mile of this property.

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