12520 Amman Rd, Chesaning, MI 48616 Property Records

Saginaw County property record for 12520 Amman Rd, Chesaning, MI 48616

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,216 sqft · built 1900
Lot Size	3.11 acres (135,472 sqft)
Owner	Individual Name on Record
Last Sale	$205,000 (Sep 2025)
Tax Bill	$630 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Mar 2022 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-10-3-26-4001-001`

Property Details

APN / Parcel Number

Primary APN	`24-10-3-26-4001-001`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,216 sqft Living Area
1st Floor Area	866 sqft
Basement Area	866 sqft
Unfinished Basement	866 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	135,472 sqft (3.11 acres)
Garage Area	740 sqft
Porch	Covered Porch
Porch Area	164 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	12520 AMMAN RD
City	CHESANING
State	MI
Zip	48616-9455
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 526 FT OF E 290 FT OF NE 1/4 OF SE 1/4 - 3.50 ACRES SEC 26 T10N R3E
Legal Range	03E
Legal Township	10N
Legal Section	26
Jurisdiction	SAGINAW MI
Township / Civil Division	ST. CHARLES
Census Block Group	3
Census Block	3078
Census Tract	12600

Owner

Source: Saginaw County records, as of July 20, 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	115 N 1ST ST, CHESANING, MI 48616-1046
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2022	Warranty Deed, Transfer · Conventional Mortgage FRANKENMUTH CU
Mar 18, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FRANKENMUTH CU
Mar 3, 2022	Deed of Trust, Mortgage · Reverse Mortgage FRANKENMUTH CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 12, 2025 · Amount on Record
Deed Sale	Sep 12, 2025 · Amount on Record
Prior Sale	Aug 10, 2022 · Amount on Record
Deed Document Number	202521939
Prior Transfer Date	Sep 29, 2010
Prior Transfer Doc	2010028365
Record Updated	Sep 20, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Aug 10, 2022
Property Address	12520 AMMAN RD, CHESANING, MI 48616-9455
Document Number	0000021791
Instrument Date	Aug 1, 2022
Instrument	2022021791
Transaction Type	Transfer
Record Updated	Aug 23, 2022
Title Company	TRANSNATION TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,350.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	271 E HAVEN DR, 271, OWOSSO, MI 48867-8804

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13248 FOWLER RD, CHESANING, MI 48616-9523
Investor	Possibly a Property Investor

Mortgage

Document Number	0000021414
Date	Aug 8, 2022
Instrument	2022021414

Lender

Name	FRANKENMUTH CU
Type	Credit Union
Address	FRANKENMUTH, MI 48734

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	12520 AMMAN RD, CHESANING, MI 48616-9455
Transaction Type	Mortgage
Record Updated	Apr 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12520 AMMAN RD, CHESANING, MI 48616-9455

Mortgage

Document Number	0000006747
Date	Mar 18, 2022
Instrument	2022006747

Lender

Name	FRANKENMUTH CU
Type	Credit Union
Address	FRANKENMUTH, MI 48734

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2037

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	12520 AMMAN RD, CHESANING, MI 48616-9455
Transaction Type	Mortgage
Record Updated	Mar 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12520 AMMAN RD, CHESANING, MI 48616-9455

Mortgage

Document Number	0000005314
Date	Mar 3, 2022
Instrument	2022005314

Lender

Name	FRANKENMUTH CU
Type	Credit Union
Address	FRANKENMUTH, MI 48734

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	756 Months
Due	Mar 1, 2085

Tax Assessment & Valuation

Source: Saginaw County assessment roll, as of September 9, 2025

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	St. Charles Township
Unified School District	Chesaning Union Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$73,900 (+15.29%)	$147,800 (+15.29%)
2025	$630.00 (-60.87%) Homeowner's exemption	$64,100 (+20.72%)	$128,200 (+20.72%)
2023		$53,100	$106,200
2022	$1,610.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	12 (1986–2020)
Most Recent Claim	May 2020 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2020 · 2 claims Flooding, Apr 2013 · 2 claims Severe Storms & Flooding, Sep 1986 · 7 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	Not rated no burnable land within 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 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Brightspeed DSL	40 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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