12500 Ithaca Rd, Saint Charles, MI 48655 Property Records

Saginaw County property record for 12500 Ithaca Rd, Saint Charles, MI 48655

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,108 sqft · built 1979
Lot Size	0.92 acres (40,075 sqft)
Owner	Individual Name on Record
Tax Bill	$1,662 (2025)
Deeds & Mortgages	Jul 2021 Line of Credit Aug 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-10-3-06-3005-701`

Property Details

APN / Parcel Number

Primary APN	`24-10-3-06-3005-701`
Alternative APN	`24103063005A01`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,108 sqft Living Area
1st Floor Area	1,108 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Mobile Home
Exterior Material	Metal
Roof Type	Flat
Roof Material	Asphalt
Lot Area	40,075 sqft (0.92 acres)
Garage Type	Carport
Garage Area	672 sqft
Carport	Carport
Carport Area	672 sqft
Deck Area	Deck Area
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas
Sewer	Storm Sewer

Location & Zoning

Street Address	12500 ITHACA RD
City	SAINT CHARLES
State	MI
Zip	48655-8514
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG AT A PT 150 FT SWLY FROM SW1/4 CORN OF SEC 6 TH N 300 FT TH IN A SWLY DIRECTION 150 FT TH S 300 FT TO S LINE OF SD SEC 6
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, as of August 21, 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	12500 ITHACA RD, SAINT CHARLES, MI 48655-8514
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2021	Deed of Trust, Mortgage · Line of Credit THE STATE BANK
Aug 2, 2018	Deed of Trust, Mortgage · ARM STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	12500 ITHACA RD, SAINT CHARLES, MI 48655-8514
Transaction Type	Mortgage
Record Updated	Aug 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12500 ITHACA RD, SAINT CHARLES, MI 48655-8514

Mortgage

Document Number	2021025152
Date	Jul 27, 2021
Instrument	2021025152

Lender

Name	THE STATE BANK
Type	Bank
Address	FENTON, MI 48430

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	12500 ITHACA RD, SAINT CHARLES, MI 48655-8514
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020778
Date	Aug 2, 2018
Instrument	2018020778

Lender

Name	STATE BANK

Agreement

Type	ARM
Amount	Amount Recorded
Term	169 Months
Due	Sep 1, 2032

Interest

Rate Type	Adjustable Rate
Rate	5.3%
Type Change Date	Aug 1, 2028
Index	1-Year CMT

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$36,700 (-6.62%)	$73,400 (-6.62%)
2025	$1,662.00 (+99.52%) Homeowner's exemption
2023		$39,300	$78,600
2022	$833.00

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

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
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	Severe Storms & Flooding, Sep 1986 · 2 claims

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 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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.

Cell Coverage

5G and 4G LTE (outdoors only)

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