Saginaw County property record for 12368 Ithaca Rd, Saint Charles, MI 48655
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,257 sqft · built 1994 |
| Lot Size | 1.71 acres (74,488 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $280,000 (Aug 2005) |
| Tax Bill | $4,013 (2025) |
| Deeds & Mortgages | Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-10-3-06-4004-707 |
| Primary APN | 24-10-3-06-4004-707 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 3,257 sqft Living Area |
| 1st Floor Area | 1,808 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 74,488 sqft (1.71 acres) |
| Garage Area | 2,380 sqft |
| Parking Spaces | 8 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 852 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Storm Sewer |
| Street Address | 12368 ITHACA RD |
|---|---|
| City | SAINT CHARLES |
| State | MI |
| Zip | 48655-8516 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COM AT S 1/4 CORN OF SEC TH N68DEG E 568.05 FT TO POB TH N 124.04 FT TH N19DEG W 90.09 FT TH N04DEG E 438.02 FT TH N68DEG E 124.50 FT TH S 645.58 FT TO S SEC LINE TH S68DEG W 125 FT TO POB 1.90 ACRES VILLAGE OF ST CHARLES SEC 6 T10N R3E ***DESC CHANG |
| Legal Range | 03E |
| Legal Township | 10N |
| Legal Section | 06 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 12600 |
Source: Saginaw County assessment roll, as of September 9, 2025
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 File |
|---|---|
| Mailing Address | 12368 ITHACA RD, SAINT CHARLES, MI 48655-8516 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 30, 2005 · Amount on Record |
| Deed Sale | Aug 30, 2005 · Amount on Record |
| Prior Sale | Feb 16, 2000 · Amount on Record |
| Deed Book / Page | 2326 / 1717 |
| Last Transfer Date | Jul 16, 2025 |
| Transfer Doc | 0000019567 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 12368 ITHACA RD, SAINT CHARLES, MI 48655-8516 |
| Document Number | 0000014981 |
| Instrument Date | Jun 4, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 12368 ITHACA RD ST CHARLES MI 486558516, ST CHARLES, MI 48655-8516 |
| Document Number | 0000014981 |
|---|---|
| Date | Jun 12, 2020 |
| Instrument | 14981 |
| Name | FRANKENMUTH CU |
|---|---|
| Type | Credit Union |
| Address | FRANKENMUTH, MI 48734 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 11, 2035 |
Source: Saginaw County assessment roll, as of September 9, 2025
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | St. Charles Township |
| Municipality | St. Charles Village |
| Unified School District | St. Charles Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $274,300 (+27.94%) | $548,600 (+27.94%) | |
| 2025 | $4,013.00 (-1.28%) Homeowner's exemption | ||
| 2023 | $214,400 | $428,800 | |
| 2022 | $4,065.00 |
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 |
| 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 | Direct burnable vegetation at the parcel |
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 23 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| Starlink Satellite | 280 / 30 |
May also be available: Verizon.
5G (outdoors only) and 4G LTE
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