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12326 Ithaca Rd, Saint Charles, MI 48655 Property Records

Saginaw County property record for 12326 Ithaca Rd, Saint Charles, MI 48655 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,994 sqft · built 1994
Lot Size1.63 acres (71,003 sqft)
OwnerIndividual Name on File
Last Sale$219,900 (Dec 2022)
Tax Bill$3,074 (2025)
Deeds & MortgagesDec 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN24-10-3-06-4004-706

Property Details

APN / Parcel Number

Primary APN24-10-3-06-4004-706
Alternative APN
  • 24103064004A06

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms5 Rooms
Stories1 Story
Building Area1,994 sqft Living Area
1st Floor Area1,978 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1994
Effective Year BuiltEffective 1994
Exterior MaterialAluminum/Vinyl
Foundation TypeNo Foundation
Roof TypeGable
Roof MaterialAsphalt
Lot Area71,003 sqft (1.63 acres)
Garage Area576 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchCovered Porch
Porch Area150 sqft
Deck AreaDeck Area
Patio Area354 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address12326 ITHACA RD
CitySAINT CHARLES
StateMI
Zip48655-8516
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCOM AT S 1/4 CORN TH N68DEG E 943.50 FT TO POB TH N 645.21 FT TH N68DEG E 124.5 FT TH S 645.02 FT TH S68DEG W 125 FT TO POB 1.72 ACRES VILLAGE OF ST CHARLES SEC 6 T10N R3E
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 24-10-3-06-4004-706

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 RecordIndividual Name on File
Mailing Address12326 ITHACA RD, SAINT CHARLES, MI 48655-8516
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 07, 2022 · Amount on Record
Deed SaleDec 07, 2022 · Amount on Record
Prior SaleJul 07, 1995 · Amount on Record
Deed Document Number202230898
Record UpdatedSep 20, 2026

December 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSAGINAW MI
Recording DateDec 07, 2022
Property Address12326 ITHACA RD, SAINT CHARLES, MI 48655-8516
Document Number0000030898
Instrument DateNov 28, 2022
Instrument2022030898
Transaction TypeTransfer
Record UpdatedDec 20, 2022
Title CompanyMICHIGAN SHORES TITLE AGENCY, MICHIGAN MOVES TITLE AGENCY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,650.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address12326 ITHACA RD, SAINT CHARLES, MI 48655-8516

Transferred To (Grantee/Buyer)

NameVerified Name
Address12326 ITHACA RD, SAINT CHARLES, MI 48655-8516

Mortgage

Document Number0000030899
DateDec 07, 2022
Instrument2022030899
Lender
NameFIRST AREA CU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueDec 01, 2052

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, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2026$128,700 (+26.3%)$257,400 (+26.3%)
2025$3,074.00 (+30.31%) Homeowner's exemption
2023$101,900$203,800
2022$2,359.00

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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