12385 Baumgartner Rd, Saint Charles, MI 48655 Property Records

Saginaw County property record for 12385 Baumgartner Rd, Saint Charles, MI 48655

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,728 sqft · built 1977
Lot Size	9.21 acres (401,188 sqft)
Owner	Individual Name on Record
Last Sale	$555,000 (Aug 2026)
Tax Bill	$4,258 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Dec 2025 Second Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`26-11-3-31-1002-000`

Property Details

APN / Parcel Number

Primary APN	`26-11-3-31-1002-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,728 sqft Living Area
1st Floor Area	864 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	401,188 sqft (9.21 acres)
Lot Dimensions	1,272 ft deep x 335 ft wide
Garage Area	910 sqft
Parking Spaces	4 Parking Spaces
Porch	Covered Porch
Porch Area	304 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	12385 BAUMGARTNER RD
City	SAINT CHARLES
State	MI
Zip	48655-9677
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NW 1/4 OF NE 1/4 EXC BEG AT NE CORN OF NW 1/4 OF NE 1/4 TH S ON E 1/8 LINE 1299.64 FT TO N 1/8 LINE TH W ON SAID LINE 622.82
Legal Range	03E
Legal Township	11N
Legal Section	31
Jurisdiction	SAGINAW MI
Township / Civil Division	SWAN CREEK
Census Block Group	1
Census Block	1060
Census Tract	11902

Owner

Source: Saginaw County records, as of September 24, 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	12785 HALL RD, ATLANTA, MI 49709-9363
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Woman, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2026	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK
Dec 15, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Mar 15, 2021	Intrafamily Transfer, Transfer · Stand-Alone Refinance QUICKEN LOANS LLC
Mar 15, 2021	Intrafamily Transfer, Transfer AMROCK INC, AMROCK LLC
Apr 1, 2019	Correction Deed, Transfer GODEEDS INC
Nov 20, 2018	Quit Claim Deed, Transfer GODEEDS INC
Jan 9, 2018	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS
Jan 9, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2026 · Amount on Record
Deed Sale	Aug 3, 2026 · Amount on Record
Prior Sale	Jan 9, 2018 · Amount on Record
Deed Document Number	202619844
Prior Transfer Date	Nov 13, 2020
Prior Transfer Doc	0000007635
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Aug 3, 2026
Property Address	12385 BAUMGARTNER RD, SAINT CHARLES, MI 48655-9677
Document Number	0000019844
Instrument Date	Jul 31, 2026
Instrument	202619844
Transaction Type	Transfer
Record Updated	Sep 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$420,412.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12785 HALL RD, ATLANTA, MI 49709-9363

Mortgage

Document Number	0000019845,
Date	Aug 3, 2026
Instrument	202619845

Lender

Name	FIFTH THIRD BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2041

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	12385 BAUMGARTNER RD, SAINT CHARLES, MI 48655-9677
Transaction Type	Mortgage
Record Updated	Dec 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12385 BAUMGARTNER RD, SAINT CHARLES, MI 48655-9677

Mortgage

Document Number	0000028695
Date	Dec 15, 2025
Instrument	2025028695

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	1050 WOODWARD AVE, DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2046

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAGINAW MI
Recording Date	Mar 15, 2021
Property Address	12385 BAUMGARTNER RD, SAINT CHARLES, MI 48655-9677
Document Number	2021007635
Instrument Date	Nov 13, 2020
Instrument	2021007635
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	AMROCK LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	12385 BAUMGARTNER RD, SAINT CHARLES, MI 48655-9677

Mortgage

Document Number	2021007636
Date	Mar 15, 2021
Instrument	2021007636

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	177 Months
Due	Dec 1, 2035

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAGINAW MI
Recording Date	Mar 15, 2021
Property Address	12385 BAUMGARTNER RD, SAINT CHARLES, MI 48655-9677
Document Number	2021007637
Instrument Date	Nov 13, 2020
Instrument	2021007637
Transaction Type	Transfer
Record Updated	Sep 2, 2021
Title Company	AMROCK INC, AMROCK LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12385 BAUMGARTNER RD, SAINT CHARLES, MI 48655-9677

April 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	SAGINAW MI
Recording Date	Apr 1, 2019
Property Address	12385 BAUMGARTNER RD, SAINT CHARLES, MI 48655-9677
Document Number	0000006506
Instrument Date	Dec 22, 2018
Instrument	6506
Transaction Type	Transfer
Record Updated	Apr 16, 2019
Title Company	GODEEDS INC

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	12385 BAUMGARTNER RD ST CHARLES MI 486559677, ST CHARLES, MI 48655-9677

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAGINAW MI
Recording Date	Nov 20, 2018
Property Address	12385 BAUMGARTNER RD, SAINT CHARLES, MI 48655-9677
Document Number	0000029039
Instrument Date	Nov 20, 2018
Instrument	29039
Transaction Type	Transfer
Record Updated	Dec 5, 2018
Title Company	GODEEDS INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	12385 BAUMGARTNER RD ST CHARLES MI 486559677, ST CHARLES, MI 48655-9677

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Jan 9, 2018
Property Address	12385 BAUMGARTNER RD, SAINT CHARLES, MI 48655-9677
Document Number	0000000738
Instrument Date	Jan 5, 2018
Instrument	738
Transaction Type	Transfer
Record Updated	Jan 19, 2018
Title Company	HOMELAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$184.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39221 WOODWARD AVE #810 BLOOMFIELD HILLS MI 483045171, 810, BLOOMFIELD HILLS, MI 48304-5171

Mortgage

Document Number	739
Date	Jan 9, 2018
Instrument	739

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 8, 2033

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAGINAW MI
Recording Date	Jan 9, 2018
Property Address	12385 BAUMGARTNER RD, SAINT CHARLES, MI 48655-9677
Document Number	0000000743
Instrument Date	Jan 5, 2018
Instrument	743
Transaction Type	Transfer
Record Updated	Jan 19, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	39221 WOODWARD AVE #810 BLOOMFIELD HILLS MI 483045171, 810, BLOOMFIELD HILLS, MI 48304-5171

Tax Assessment & Valuation

Source: Saginaw County assessment roll, as of August 21, 2026

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		$179,500 (+16.18%)	$359,000 (+16.18%)
2025	$4,258.00 (+22.74%) Homeowner's exemption	$154,500 (+34.35%)	$309,000 (+34.35%)
2023		$115,000	$230,000
2022	$3,469.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 95% of the US · lower than 89% of Michigan
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LakeNet Fiber	1,000 / 500
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum.

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