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12470 Ithaca Rd, Saint Charles, MI 48655 Property Records

Saginaw County property record for 12470 Ithaca Rd, Saint Charles, MI 48655 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,692 sqft · built 1980
Lot Size4.96 acres (216,058 sqft)
OwnerIndividual Name on File
Last Sale$69,000 (Sep 1988)
Tax Bill$2,400 (2025)
Deeds & MortgagesJul 2023 Mortgage
Aug 2022 Transfer
Flood ZoneZone X (minimal risk)
APN24-10-3-06-4004-700

Property Details

APN / Parcel Number

Primary APN24-10-3-06-4004-700
Alternative APN
  • 24103064004A00

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Stories1 Story
Building Area1,692 sqft Living Area
1st Floor Area1,692 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1980
Effective Year BuiltEffective 1980
Exterior MaterialAluminum/Vinyl
Foundation TypeNo Foundation
Roof TypeGable
Roof MaterialAsphalt
Lot Area216,058 sqft (4.96 acres)
Garage Area1,696 sqft
Parking Spaces6 Parking Spaces
PorchCovered Porch
Porch Area48 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas
SewerStorm Sewer

Location & Zoning

Street Address12470 ITHACA RD
CitySAINT CHARLES
StateMI
Zip48655-8515
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCOM AT S 1/4 CORN OF SEC 6 TH N 1591.64 FT TH E 138.16 FT TH S 1313.51 FT TH S16DEG 41MIN E 209 FT TH S68DEG 59 MIN W 214.45 FT TO POB 5.12 ACRES VILLAGE OF ST CHARLES SEC 6 T10N R3E
Legal Range03E
Legal Township10N
Legal Section06
JurisdictionSAGINAW MI
Township / Civil DivisionST. CHARLES
Census Block Group1
Census Block1012
Census Tract12600

Owner

Source: Saginaw County records · APN 24-10-3-06-4004-700

Assessment roll updated September 9, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address12470 ITHACA RD, SAINT CHARLES, MI 48655-8515
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 13, 2023Deed of Trust, Mortgage · Conventional Mortgage
THE HUNTINGTON NATIONAL BANK
Aug 15, 2022Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleSep 23, 1988 · Amount on Record
Deed SaleSep 23, 1988 · Amount on Record
Deed Book / Page1732 / 1689
Last Transfer DateAug 15, 2022
Transfer Doc0000021975
Record UpdatedSep 20, 2026

July 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAGINAW MI
Property Address12470 ITHACA RD, SAINT CHARLES, MI 48655-8515
Transaction TypeMortgage
Record UpdatedJul 31, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address12470 ITHACA RD, SAINT CHARLES, MI 48655-8515

Mortgage

Document Number0000016177
DateJul 13, 2023
Instrument2023016177
Lender
NameTHE HUNTINGTON NATIONAL BANK
TypeBank
AddressCOLUMBUS, OH 43219
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2053

August 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSAGINAW MI
Recording DateAug 15, 2022
Property Address12470 ITHACA RD, SAINT CHARLES, MI 48655-8515
Document Number0000021975
Instrument DateAug 15, 2022
Instrument2022021975
Transaction TypeTransfer
Record UpdatedAug 29, 2022

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address12470 ITHACA RD, 12470, SAINT CHARLES, MI 48655-8515

Transferred To (Grantee/Buyer)

NameVerified Name
Address12470 ITHACA RD, SAINT CHARLES, MI 48655-8515

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMichigan
CountySaginaw County
County SubdivisionSt. Charles Township
MunicipalitySt. Charles Village
Unified School DistrictSt. 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.

YearTax BillAssessed ValueAssessed Market Value
2026$130,400 (+26.36%)$260,800 (+26.36%)
2025$2,400.00 (+1.27%)
2023$103,200$206,400
2022$2,370.00

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 22 individual NFIP policies nearby
Nearby Flood Policies22 in force
Nearby Flood Claims7 (1986–2026)
Claims Outside the SFHA1 of 7
Most Recent ClaimApr 2026
Claims By Storm
  • Severe Storms & Flooding, Sep 1986 · 2 claims

Wildfire

Wildfire RiskLow
above 20% of the US · above 52% of Michigan
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureDirect
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

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 50
StarlinkSatellite (low-earth orbit)280 / 30

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

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