Saginaw County property record for 12650 Gary Rd, Chesaning, MI 48616
| Property Type | Manufactured or Modular Home |
|---|---|
| Details | 3 bd · 2 ba · 1,642 sqft · built 1970 |
| Lot Size | 1.66 acres (72,310 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $14,000 (Oct 2009) |
| Tax Bill | $2,714 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Nov 2019 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-10-3-31-3004-000 |
| Primary APN | 24-10-3-31-3004-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,642 sqft Living Area |
| 1st Floor Area | 1,642 sqft |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Modular |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 72,310 sqft (1.66 acres) |
| Garage Area | 784 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Covered Porch |
|---|---|
| Porch Area | 200 sqft |
| Deck Area | Deck Area |
| Patio Area | 96 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 12650 GARY RD |
|---|---|
| City | CHESANING |
| State | MI |
| Zip | 48616-9431 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Manufactured or Modular Home |
| Legal Description | BEG AT A PT 451 FT W FROM S 1/4 CORN TH CONT W 250 FT TH N 320 FT TH E 250 FT TH S 320 FT TO POB 1.84 ACRES SEC 31 T10N R3E |
| Legal Range | 03E |
| Legal Township | 10N |
| Legal Section | 31 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 3 |
| Census Block | 3071 |
| Census Tract | 12600 |
12650 Gary Rd, a residential property, is owned and occupied by two individuals who acquired it in March 2019.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12650 GARY RD, CHESANING, MI 48616-9431 |
| 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.
| Date | Document |
|---|---|
| Oct 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED FINANCIAL CU |
| Nov 22, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance UNITED FINANCIAL CREDIT UNION |
| Apr 1, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 12, 2009 · Amount on File |
| Deed Sale | Oct 12, 2009 · Amount on File |
| Prior Sale | Jan 18, 2007 |
| Deed Document Number | 200929040 |
| Deed Book / Page | 2554 / 1070 |
| Last Transfer Date | Mar 27, 2019 |
| Transfer Doc | 0000006486 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 12650 GARY RD, CHESANING, MI 48616-9431 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2021 |
| Name | Verified Name |
|---|---|
| Address | 12650 GARY RD, CHESANING, MI 48616-9431 |
| Document Number | 2021033965 |
|---|---|
| Date | Oct 21, 2021 |
| Instrument | 2021033965 |
| Name | UNITED FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | SAGINAW, MI 48603 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 12650 GARY RD, CHESANING, MI 48616-9431 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000028699 |
|---|---|
| Date | Nov 22, 2019 |
| Instrument | 2019028699 |
| Name | UNITED FINANCIAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 229 Months |
| Due | Dec 1, 2038 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Apr 1, 2019 |
| Property Address | 12650 GARY RD, CHESANING, MI 48616-9431 |
| Document Number | 0000006486 |
| Instrument Date | Mar 27, 2019 |
| Instrument | 6486 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 12650 GARY RD CHESANING MI 486169431, CHESANING, MI 48616-9431 |
The 2025 property tax bill for 12650 Gary Rd was $2,714 with a homeowner's exemption.
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 | Chesaning Union Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $104,900 (+11.36%) | $209,800 (+11.36%) | |
| 2025 | $2,714.00 Homeowner's exemption | $94,200 | $188,400 |
| 2023 | $70,600 | $141,200 | |
| 2022 | $1,989.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12650 Gary Rd in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1986.
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 File 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.
Wildfire risk around 12650 Gary 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 7 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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