Saginaw County property record for 12320 Ring Rd, Saint Charles, MI 48655
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,328 sqft · built 1972 |
| Lot Size | 29.3 acres (1,278,922 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $113,175 (Aug 2002) |
| Tax Bill | $3,117 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-10-3-18-1009-000 |
| Primary APN | 24-10-3-18-1009-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,328 sqft Living Area |
| 1st Floor Area | 1,328 sqft |
| Basement Area | 1,328 sqft |
| Unfinished Basement | 1,328 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 1,278,922 sqft (29.3 acres) |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 256 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 12320 RING RD |
|---|---|
| City | SAINT CHARLES |
| State | MI |
| Zip | 48655-9513 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THAT PART OF S 1/2 OF NE 1/4 LYING W OF M-47 HWY EXC E 250 FT THEREOF ALSO EXC COM ON E&W 1/4 LINE AT A PT 1169.66 FT S79DEG |
| Legal Range | 03E |
| Legal Township | 10N |
| Legal Section | 18 |
| Legal Subdivision | BRADFORD SUBDIVISION |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 12600 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 12320 RING RD, SAINT CHARLES, MI 48655-9513 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 19, 2002 · Amount on Record |
| Deed Sale | Aug 19, 2002 · Amount on Record |
| Deed Document Number | 20027096452 |
| Deed Book / Page | 2229 / 7 |
| Prior Transfer Date | Jun 21, 2002 |
| Prior Transfer Doc | 0007096452 |
| Record Updated | Oct 29, 2026 |
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | St. Charles Township |
| Unified School District | St. Charles Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $159,900 (+35.85%) | $319,800 (+35.85%) | |
| 2025 | $3,117.00 (+20.63%) Homeowner's exemption | ||
| 2023 | $117,700 | $235,400 | |
| 2022 | $2,584.00 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 22 policies |
| 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 Event |
|
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | VILLAGE OF ST. CHARLES serves 2,054 people · EPA ID MI0006260 |
|---|---|
| Water Source | Purchased surface water from CITY OF SAGINAW |
| Last State Inspection | Jul 2024 |
| Lead | 3 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: LakeNet.
5G (outdoors only) and 4G LTE
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