Saginaw County property record for 12378 Baumgartner Rd, Saint Charles, MI 48655
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,872 sqft · built 1975 |
| Lot Size | 5.85 acres (254,826 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $142,000 (Nov 2016) |
| Tax Bill | $3,360 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-11-3-30-4008-000 |
| Primary APN | 26-11-3-30-4008-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 3 Stories |
| Building Area | 1,872 sqft Living Area |
| 1st Floor Area | 1,200 sqft |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Tri-Level |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 254,826 sqft (5.85 acres) |
| Lot Dimensions | 1,287 ft deep x 165 ft wide |
| Garage Area | 676 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 256 sqft |
| Patio Area | 256 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 12378 BAUMGARTNER RD |
|---|---|
| City | SAINT CHARLES |
| State | MI |
| Zip | 48655-9677 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | E 6 ACRES OF W 20 ACRES OF SW 1/4 OF SE 1/4 -- 6 ACRES SEC 30 T11N R3E |
| Legal Range | 03E |
| Legal Township | 11N |
| Legal Section | 30 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | SWAN CREEK |
| Census Block Group | 1 |
| Census Block | 1061 |
| Census Tract | 11902 |
Source: Saginaw County records, as of August 21, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 12378 BAUMGARTNER RD, SAINT CHARLES, MI 48655-9677 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 15, 2016 · Amount on Record |
| Deed Sale | Nov 15, 2016 · Amount on Record |
| Deed Document Number | 201629418 |
| Deed Book / Page | 2879 / 906 |
| Prior Transfer Date | Jun 3, 2015 |
| Prior Transfer Doc | 0000029416 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Apr 20, 2026 |
| Property Address | 12378 BAUMGARTNER RD, SAINT CHARLES, MI 48655-9677 |
| Document Number | 0000011113 |
| Instrument Date | Apr 14, 2026 |
| Instrument | 202611113 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 12378 BAUMGARTNER RD, SAINT CHARLES, MI 48655-9677 |
| Document Number | 0000011113, |
|---|---|
| Date | Apr 20, 2026 |
| Instrument | 202611113 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 1, 2041 |
| Rate | 5.54% |
|---|---|
| Max Rate | -1% |
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | Swan Creek Township |
| Unified School District | St. Charles Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $125,800 (-5.84%) | $251,600 (-5.84%) | |
| 2025 | $3,360.00 (+22.72%) Homeowner's exemption | $133,600 (+37.45%) | $267,200 (+37.45%) |
| 2023 | $97,200 | $194,400 | |
| 2022 | $2,738.00 |
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 |
| 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.
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.
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 12 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Verizon Fixed Wireless | 25 / 6 |
| AT&T Fixed Wireless | 25 / 3 |
May also be available: LakeNet, Spectrum.
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