12621 Ithaca Rd, Saint Charles, MI 48655 Property Records

Saginaw County property record for 12621 Ithaca Rd, Saint Charles, MI 48655

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,330 sqft · built 1990
Lot Size	8.29 acres (361,112 sqft)
Owner	Company Name on File
Last Sale	$276,000 (Jun 2021)
Tax Bill	$1,319 (2025)
Deeds & Mortgages	Oct 2022 Transfer Jun 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24-10-3-07-2001-003`

Property Details

APN / Parcel Number

Primary APN	`24-10-3-07-2001-003`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,330 sqft Living Area
1st Floor Area	1,700 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	361,112 sqft (8.29 acres)
Garage Area	1,156 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	20 sqft
Deck Area	Deck Area
Patio Area	392 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Storm Sewer

Location & Zoning

Street Address	12621 ITHACA RD
City	SAINT CHARLES
State	MI
Zip	48655-8513
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT A PT 1093.20 FT S76DEG W FROM N 1/4 CORN TH N76 DEG E 300 FT TH S 1268.24 FT TH S74DEG W 302.45 FT TH N 1278.32 FT TO POB 8.77 ACRES SEC 7 T10N R3E
Legal Range	03E
Legal Township	10N
Legal Section	07
Jurisdiction	SAGINAW MI
Township / Civil Division	ST. CHARLES
Census Block Group	1
Census Block	1024
Census Tract	12600

Owner

Source: Saginaw County records · APN 24-10-3-07-2001-003

Assessment roll updated September 9, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	12621 ITHACA RD, SAINT CHARLES, MI 48655-8513
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2022	Intrafamily Transfer, Transfer
Jun 01, 2021	Warranty Deed, Transfer · Conventional Mortgage WILDFIRE CU
Oct 24, 2017	Deed of Trust, Mortgage · Stand-Alone Refinance HSBC BANK USA
Jan 31, 2018	Warranty Deed, Transfer CROSSROADS TITLE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 01, 2021 · Amount on Record
Deed Sale	Jun 01, 2021 · Amount on Record
Prior Sale	Jan 31, 2018 · Amount on Record
Deed Document Number	202119959
Last Transfer Date	Oct 14, 2022
Transfer Doc	0000027365
Record Updated	Sep 20, 2026

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAGINAW MI
Recording Date	Oct 19, 2022
Property Address	12621 ITHACA RD, SAINT CHARLES, MI 48655-8513
Document Number	0000027365
Instrument Date	Oct 14, 2022
Instrument	2022027365
Transaction Type	Transfer
Record Updated	Jun 07, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12621 ITHACA RD, 12621, SAINT CHARLES, MI 48655-8513

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	12621 ITHACA RD, SAINT CHARLES, MI 48655-8513

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Jun 01, 2021
Property Address	12621 ITHACA RD, SAINT CHARLES, MI 48655-8513
Document Number	2021019959
Instrument Date	May 28, 2021
Instrument	2021019959
Transaction Type	Transfer
Record Updated	Jun 15, 2021
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,070.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12621 ITHACA RD, 12621, SAINT CHARLES, MI 48655-8513

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12621 ITHACA RD, SAINT CHARLES, MI 48655-8513

Mortgage

Document Number	2021019960
Date	Jun 01, 2021
Instrument	2021019960

Lender

Name	WILDFIRE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 01, 2036

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	12621 ITHACA RD, SAINT CHARLES, MI 48655-8513
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028799
Date	Oct 24, 2017
Instrument	2017028799

Lender

Name	HSBC BANK USA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Jan 31, 2018
Property Address	12621 ITHACA RD, SAINT CHARLES, MI 48655-8513
Document Number	0000002389
Instrument Date	Jan 25, 2018
Instrument	2389
Transaction Type	Transfer
Record Updated	Feb 07, 2018
Title Company	CROSSROADS TITLE

Transaction

Amount	Amount Recorded
Tax	$185.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	12621 ITHACA RD ST CHARLES MI 486558513, ST CHARLES, MI 48655-8513

Tax Assessment & Valuation

Source: Saginaw County records · Assessment roll updated September 9, 2025 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$157,200 (+28.43%)	$314,400 (+28.43%)
2025	$1,319.00 (-63.05%) Homeowner's exemption
2023		$122,400	$244,800
2022	$3,570.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 29, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: LakeNet.

Based on FCC filings for 27 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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