Saginaw County property record for 12642 Gera Rd, Birch Run, MI 48415
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,432 sqft · built 1961 |
| Lot Size | 0.8 acres (34,848 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $56,500 (Aug 1986) |
| Tax Bill | $2,040 (2025) |
| Deeds & Mortgages | May 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-10-6-27-4208-000 |
| Primary APN | 05-10-6-27-4208-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,432 sqft Living Area |
| 1st Floor Area | 1,432 sqft |
| Basement Area | 1,144 sqft |
| Unfinished Basement | 1,144 sqft |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 34,848 sqft (0.8 acres) |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 648 sqft |
|---|---|
| Porch | Covered Porch |
| Porch Area | 84 sqft |
| Deck Area | Deck Area |
| Patio Area | 262 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 12642 GERA RD |
|---|---|
| City | BIRCH RUN |
| State | MI |
| Zip | 48415-9475 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | LOT 8 & N 1/2 OF LOT 9 HENSEL SUBDIVISION A PART OF SE 1/4 SEC 27 T10N R6E |
| Legal Range | 06E |
| Legal Township | 10N |
| Legal Section | 27 |
| Legal Subdivision | HENSEL SUBDIVISION |
| Legal Lot Number | 8-9 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | BIRCH RUN |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 13100 |
12642 Gera Rd is owned and occupied by two individuals who bought it in August 1986.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12642 GERA RD, BIRCH RUN, MI 48415-9475 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 15, 1986 · Amount on File |
| Deed Sale | Aug 15, 1986 · Amount on File |
| Deed Book / Page | 1682 / 661 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | May 26, 2026 |
| Property Address | 12642 GERA RD, BIRCH RUN, MI 48415-9475 |
| Document Number | 0000014003 |
| Instrument Date | May 19, 2026 |
| Instrument | 202614003 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | TRANSNATION TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 12642 GERA RD, BIRCH RUN, MI 48415-9475 |
| Document Number | 0000014003, |
|---|---|
| Date | May 26, 2026 |
| Instrument | 202614003 |
| Name | FINANCIAL PLUS CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.58% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
The 2025 property tax bill for 12642 Gera Rd was $2,040 with a homeowner's exemption.
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | Birch Run Township |
| Unified School District | Birch Run Area School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $103,700 (+5.17%) | $207,400 (+5.17%) | |
| 2025 | $2,040.00 Homeowner's exemption | $98,600 | $197,200 |
| 2023 | $80,900 | $161,800 | |
| 2022 | $1,714.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12642 Gera Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective March 29, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 12642 Gera Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 93% of Michigan |
|---|---|
| Wildfire Likelihood | Under 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 36 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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