Saginaw County property record for 12511 Stuart Rd, Saint Charles, MI 48655 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1965 |
| Square Footage | 1,936 sqft Living Area |
| Lot Size | 50,094 sqft (1.15 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $147,658 (2002) |
| Tax Bill | $776.00 (2025) |
Source: Saginaw County records · APN 24-10-3-26-3005-000
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 | Individual Name on File |
|---|---|
| Mailing Address | 12511 STUART RD, SAINT CHARLES, MI 48655-9643 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 01, 2020 | Loan Modification, Mortgage · Conventional Mortgage UNITED FIN'L CU |
| May 01, 2017 | Warranty Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI) UNITED FIN'L CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 12, 2002 · Amount on Record |
| Deed Sale | Sep 12, 2002 · Amount on Record |
| Prior Sale | Jun 28, 2002 · Amount on Record |
| Deed Doc Number | 20027099431 |
| Deed Book / Page | 2230 / 645 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 12511 STUART RD, SAINT CHARLES, MI 48655-9643 |
| Document Number | 0000015398 |
| Instrument Date | Jun 01, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 31, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 12511 STUART RD ST CHARLES MI 486559643, ST CHARLES, MI 48655-9643 |
| Document Number | 0000015398 |
|---|---|
| Date | Jun 17, 2020 |
| Instrument | 15398 |
| Name | UNITED FIN'L CU |
|---|---|
| Type | Credit Union |
| Address | SAGINAW, MI 48603 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 324 Months |
| Due | Jun 16, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | May 01, 2017 |
| Property Address | 12511 STUART RD, SAINT CHARLES, MI 48655-9643 |
| Document Number | 0000014479 |
| Instrument Date | Apr 14, 2017 |
| Instrument | 14479 |
| Transaction Type | Transfer |
| Record Updated | Jul 31, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $140.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9011 GARY RD CHESANING MI 486169425, CHESANING, MI 48616-9425 |
| Document Number | 14476 |
|---|---|
| Date | May 01, 2017 |
| Instrument | 14476 |
| Name | UNITED FIN'L CU |
|---|---|
| Type | Credit Union |
| Address | SAGINAW, MI 48603 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 30, 2047 |
Source: Saginaw County records · Assessment roll updated September 9, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | St. Charles Township |
| Unified School District | St. Charles Community Schools (KG - 12) |
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 | $111,900 (+31.03%) | $223,800 (+31.03%) | |
| 2025 | $776.00 (-66.91%) Homeowner's exemption | ||
| 2023 | $85,400 | $170,800 | |
| 2022 | $2,345.00 |
Source: FEMA National Flood Hazard Layer, Saginaw County (26145C), updated March 29, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 24-10-3-26-3005-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,936 sqft Living Area |
| 1st Floor | 1,936 sqft 1st Floor |
| Basement Area | 420 sqft Basement |
| Unfinished Basement | 420 sqft Unfinished |
| Stories | 1 Stories |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Exterior Material | Aluminum/Vinyl Exterior |
| Foundation Type | No Foundation Foundation |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 50,094 sqft (1.15 acres) |
| Parking Spaces | 6 Parking Spaces |
| Garage Area | 1,536 sqft Garage |
| Deck Area | Deck Area |
|---|---|
| Patio Area | 320 sqft Patio |
| Porch | Covered Porch |
| Porch Area | 464 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Street Address | 12511 STUART RD |
|---|---|
| City | SAINT CHARLES |
| State | MI |
| Zip | 48655-9643 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | A PART OF N 1/2 OF N 1/2 OF SW 1/4 COM ON C/L OF STUART RD & E&W 1/4 LINE TH E 76 FT TO POB TH W 76 FT TO W SEC LINE TH S 320 FT TH E 378 FT TH NW LY 410 FT TO POB -- 1.39 ACRES SEC 26 T10N R3E |
| Legal Range | 03E |
| Legal Township | 10N |
| Legal Section | 26 |
| Jurisdiction | SAGINAW MI |
| Minor Civil Division | ST. CHARLES |
| Census Blockgroup | 3 |
| Census Block | 3079 |
| Census Tract | 12600 |
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