Saginaw County property record for 12527 Ring Rd, Saint Charles, MI 48655
| Property Type | Manufactured or Modular Home |
|---|---|
| Details | 3 bd · 3 ba · 1,990 sqft · built 2020 |
| Lot Size | 1.75 acres (76,230 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $340,000 (Jul 2025) |
| Tax Bill | $3,595 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-10-3-18-4003-001 |
| Primary APN | 24-10-3-18-4003-001 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,990 sqft Living Area |
| 1st Floor Area | 1,990 sqft |
| Basement Area | 1,990 sqft |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Modular |
| Exterior Material | Wood Siding |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 76,230 sqft (1.75 acres) |
| Garage Area | 1,560 sqft |
| Parking Spaces | 6 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 48 sqft |
| Deck Area | Deck Area |
| Patio Area | 360 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 12527 RING RD |
|---|---|
| City | SAINT CHARLES |
| State | MI |
| Zip | 48655-9513 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Manufactured or Modular Home |
| Legal Description | N 264 FT OF W 20 ACRES OF SE 1/4 2 ACRES SEC 18 T10N R3E |
| Legal Range | 03E |
| Legal Township | 10N |
| Legal Section | 18 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 3 |
| Census Block | 3055 |
| Census Tract | 12600 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 12183 W GRAND BLANC RD, DURAND, MI 48429-9308 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 29, 2025 · Amount on Record |
| Deed Sale | Jul 29, 2025 · Amount on Record |
| Prior Sale | Aug 3, 2016 · Amount on Record |
| Deed Document Number | 202518336 |
| Prior Transfer Date | Feb 23, 2021 |
| Prior Transfer Doc | 0000006506 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Mar 2, 2021 |
| Property Address | 12527 RING RD, SAINT CHARLES, MI 48655-9513 |
| Document Number | 2021006506 |
| Instrument Date | Feb 23, 2021 |
| Instrument | 2021006506 |
| Transaction Type | Transfer |
| Record Updated | Sep 2, 2021 |
| Title Company | CRISLO TITLE COMPANY, CISLO TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12527 RING RD, SAINT CHARLES, MI 48655-9513 |
| Document Number | 2021006507 |
|---|---|
| Date | Mar 2, 2021 |
| Instrument | 2021006507 |
| Name | MORTGAGE 1 INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2051 |
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | St. Charles Township |
| Unified School District | St. Charles Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $153,300 (+32.04%) | $306,600 (+32.04%) | |
| 2025 | $3,595.00 (+21.86%) Homeowner's exemption | ||
| 2023 | $116,100 | $232,200 | |
| 2022 | $2,950.00 |
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.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 |
|
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.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 47 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: LakeNet.
5G (outdoors only) and 4G LTE
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