Saginaw County property record for 12605 Ring Rd, Saint Charles, MI 48655
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,306 sqft · built 1910 |
| Lot Size | 14.5 acres (631,620 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $97,000 (Jun 1990) |
| Tax Bill | $3,069 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-10-3-18-3001-000 |
| Primary APN | 24-10-3-18-3001-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,306 sqft Living Area |
| 1st Floor Area | 1,320 sqft |
| Basement Area | 1,320 sqft |
| Unfinished Basement | 1,320 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 631,620 sqft (14.5 acres) |
| Garage Area | 1,200 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 493 sqft |
| Heating System | Hot Water |
|---|
| Street Address | 12605 RING RD |
|---|---|
| City | SAINT CHARLES |
| State | MI |
| Zip | 48655-9513 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N 15 ACRES OF E 1/2 OF E 1/2 OF SW 1/4 15 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 | 12605 RING RD, SAINT CHARLES, MI 48655-9513 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 20, 1990 · Amount on Record |
| Deed Sale | Jun 20, 1990 · Amount on Record |
| Deed Book / Page | 1771 / 1890 |
| Record Updated | Oct 29, 2026 |
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 | $132,900 (+38.01%) | $265,800 (+38.01%) | |
| 2025 | $3,069.00 (+21.59%) Homeowner's exemption | ||
| 2023 | $96,300 | $192,600 | |
| 2022 | $2,524.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LakeNet Fiber | 1,000 / 500 |
| Verizon Fixed Wireless | 300 / 20 |
5G (outdoors only) and 4G LTE
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