12430 Ithaca Rd, Saint Charles, MI 48655 Property Records

Saginaw County property record for 12430 Ithaca Rd, Saint Charles, MI 48655 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,668 sqft · built 1985
Lot Size	5.34 acres (232,610 sqft)
Owner	2 Individual Names on File
Last Sale	$56,600 (Apr 1988)
Tax Bill	$2,100 (2025)
Deeds & Mortgages	Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-10-3-06-4004-705`

Property Details

APN / Parcel Number

Primary APN	`24-10-3-06-4004-705`
Alternative APN	`24103064004A05`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,668 sqft Living Area
1st Floor Area	1,268 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	232,610 sqft (5.34 acres)
Garage Area	644 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	40 sqft
Deck Area	Deck Area
Patio Area	192 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Storm Sewer

Location & Zoning

Street Address	12430 ITHACA RD
City	SAINT CHARLES
State	MI
Zip	48655-8515
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT S 1/4 CORN OF SEC 6 TH N68DEG 59MIN E 214.45 FT TO POB TH N16DEG 41MIN W 209 FT TH N 1313.51 FT TH E 161.84 FT TH S 829.30 FT TH S 646.13 FT TH S68DEG 59MIN W 103.60 FT TO POB 5.41 ACRES VILLAGE OF ST CHARLES SEC 6 T10N R3E
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

Owner

Source: Saginaw County records · APN 24-10-3-06-4004-705

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 Record	2 Individual Names on File
Mailing Address	12430 ITHACA RD, SAINT CHARLES, MI 48655-8515
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 11, 1988 · Amount on Record
Deed Sale	Apr 11, 1988 · Amount on Record
Deed Book / Page	1722 / 82
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	12430 ITHACA RD, SAINT CHARLES, MI 48655-8515
Transaction Type	Mortgage
Record Updated	Jul 07, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12430 ITHACARD, SAINT CHARLES, MI 48655-8515

Mortgage

Document Number	2021021874
Date	Jun 21, 2021
Instrument	2021021874

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Amount	Amount Recorded
Term	181 Months
Due	Jul 01, 2036

Tax Assessment & Valuation

Source: Saginaw County records · Assessment roll updated September 9, 2025 · Last verified July 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$116,700 (+27.4%)	$233,400 (+27.4%)
2025	$2,100.00 (+2.64%) Homeowner's exemption
2023		$91,600	$183,200
2022	$2,046.00

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 22 individual NFIP policies nearby
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 Storm	Severe Storms & Flooding, Sep 1986 · 2 claims

Wildfire

Wildfire Risk	Low above 20% of the US · above 52% of Michigan
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct 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

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 50
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.