12334 Baumgartner Rd, Saint Charles, MI 48655 Property Records

Saginaw County property record for 12334 Baumgartner Rd, Saint Charles, MI 48655

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,916 sqft · built 1966
Lot Size	0.92 acres (40,075 sqft)
Owner	Individual Name on Record
Last Sale	$125,000 (Dec 2018)
Tax Bill	$794 (2025)
Deeds & Mortgages	May 2026 Mortgage Feb 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-11-3-30-4010-002`

Property Details

APN / Parcel Number

Primary APN	`26-11-3-30-4010-002`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,916 sqft Living Area
1st Floor Area	1,916 sqft
Basement Area	1,340 sqft
Unfinished Basement	1,340 sqft

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Exterior Material	Brick/Stone
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,075 sqft (0.92 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	44 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	12334 BAUMGARTNER RD
City	SAINT CHARLES
State	MI
Zip	48655-9677
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT S 1/4 CORN OF SEC TH E 953.54 FT TO POB TH N 300 FT TH E 150 FT TH S 300 FT TH W 150 FT TO POB - 1.03 ACRES SEC 30 T11N R3E *** NEW SPLIT FROM PARENT 4010-000 01-16-2014
Legal Range	03E
Legal Township	11N
Legal Section	30
Legal Subdivision	E5 OF THE SW4 OF THE SE4 S30T11NR03E
Jurisdiction	SAGINAW MI
Township / Civil Division	SWAN CREEK
Census Block Group	1
Census Block	1061
Census Tract	11902

Owner

Source: Saginaw County records, as of August 11, 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	12334 BAUMGARTNER RD, SAINT CHARLES, MI 48655-9677
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Feb 13, 2024	Deed of Trust, Mortgage PENNYMAC LOAN SERVICES LLC
Dec 18, 2018	Warranty Deed, Transfer · FHA Mortgage CASON HOME LOANS
Mar 15, 2017	Warranty Deed, Transfer CROSSROADS TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 18, 2018 · Amount on Record
Deed Sale	Dec 18, 2018 · Amount on Record
Prior Sale	Mar 15, 2017 · Amount on Record
Deed Document Number	201831392
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Recording Date	May 20, 2026
Property Address	12334 BAUMGARTNER RD, SAINT CHARLES, MI 48655-9677
Document Number	0000013580
Instrument Date	Apr 15, 2026
Instrument	202613580
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12334 BAUMGARTNER RD, SAINT CHARLES, MI 48655-9677

Mortgage

Document Number	0000013580,
Date	May 20, 2026
Instrument	202613580

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	296 Months
Due	Jan 1, 2051

Interest

Rate	6.22%
Max Rate	-1%

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	12334 BAUMGARTNER RD, SAINT CHARLES, MI 48655-9677
Transaction Type	Mortgage
Record Updated	Feb 27, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12334 BAUMGARTNER RD, SAINT CHARLES, MI 48655-9677

Mortgage

Document Number	0000002734
Date	Feb 13, 2024
Instrument	2024002734

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	6101 CONDOR DR # 200, MOORPARK, CA 93021

Agreement

Amount	Amount Recorded
Term	323 Months
Due	Jan 1, 2051

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Dec 18, 2018
Property Address	12334 BAUMGARTNER RD, SAINT CHARLES, MI 48655-9677
Document Number	2018031392
Instrument Date	Dec 7, 2018
Instrument	2018031392
Transaction Type	Transfer
Record Updated	Sep 2, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12334 BAUMGARTNER RD, SAINT CHARLES, MI 48655-9677

Mortgage

Document Number	0000031393
Date	Dec 18, 2018
Instrument	2018031393

Lender

Name	CASON HOME LOANS

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Jan 1, 2048

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Mar 15, 2017
Property Address	12334 BAUMGARTNER RD, SAINT CHARLES, MI 48655-9677
Document Number	0000006174
Book / Page	002892 / 001426
Instrument Date	Mar 10, 2017
Instrument	6174
Transaction Type	Transfer
Record Updated	Mar 24, 2017
Title Company	CROSSROADS TITLE

Transaction

Amount	Amount Recorded
Tax	$85.76
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12374 BAUMGARTNER RD ST CHARLES MI 486559677, ST CHARLES, MI 48655-9677

Tax Assessment & Valuation

Source: Saginaw County assessment roll, as of September 9, 2025

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	Swan Creek Township
Unified School District	St. Charles Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$116,500 (-4.82%)	$233,000 (-4.82%)
2025	$794.00 (-63.26%) Homeowner's exemption	$122,400 (+45.2%)	$244,800 (+45.2%)
2023		$84,300	$168,600
2022	$2,161.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2013)
Most Recent Claim	Apr 2013 · 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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 17 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

May also be available: T-Mobile.

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