Saginaw County property record for 12650 Ring Rd, Saint Charles, MI 48655 · Last verified May 2024
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 2,146 sqft · built 1993 |
| Lot Size | 2.32 acres (101,495 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $976 (2022) |
| Deeds & Mortgages | Aug 2021 Construction Loan Jun 2021 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-10-3-18-2002-005 |
| Primary APN | 24-10-3-18-2002-005 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,146 sqft |
| Gross Area | 4,082 sqft |
| 1st Floor Area | 1,408 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 101,495 sqft (2.32 acres) |
| Garage Type | Attached |
| Garage Area | 832 sqft |
| Pool Type | Gunite Pool |
| Porch | Porch |
| Porch Area | 328 sqft |
| Heating System | Forced Air |
|---|
| Account Number | 24103182002002 |
|---|---|
| Street Address | 12650 RING RD |
| City | SAINT CHARLES |
| State | MI |
| Zip | 48655-9513 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COM AT W 1/4 CORN OF SD SEC TH N 76?44'00 E 1844.05 FT ALG E & W 1/4 LINE TO POB TH N 11?16'00" W 290 FT TH N 78?44'00" E 350 |
| Legal Range | 03E |
| Legal Township | 10N |
| Legal Section | 18 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 12600 |
Source: Saginaw County records · APN 24-10-3-18-2002-005
Assessment roll updated March 1, 2023 · Last verified May 2024
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 12650 RING RD, SAINT CHARLES, MI 48655-9513 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 18, 2021 | Deed of Trust, Mortgage · Construction Mortgage LAKE MICHIGAN CU |
| Jun 09, 2021 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Jun 09, 2021 |
| Transfer Doc | 0000020880 |
| Record Updated | Jun 07, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 12650 RING RD, SAINT CHARLES, MI 48655-9513 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Title Company | CISLO TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 8080 LISKOW CT, SAGINAW, MI 48609-9536 |
| Document Number | 0000027417 |
|---|---|
| Date | Aug 18, 2021 |
| Instrument | 2021027417 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49501 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Sep 01, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Jun 09, 2021 |
| Property Address | 12650 RING RD, SAINT CHARLES, MI 48655-9513 |
| Document Number | 0000020880 |
| Instrument Date | May 07, 2021 |
| Instrument | 2021020880 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12600 RING RD, 12600, SAINT CHARLES, MI 48655-9513 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 12650 RING RD, SAINT CHARLES, MI 48655-9513 |
Source: Saginaw County records · Assessment roll updated March 1, 2023 · Last verified May 2024
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | St. Charles Township |
| Unified School District | St. Charles Community Schools (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $26,600 | $53,200 | |
| 2022 | $976.00 |
Source: FEMA National Flood Hazard Layer, Saginaw County (26145C), updated March 29, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261450126001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 22 individual NFIP policies nearby |
| 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 Storm |
|
| Wildfire Risk | Low above 20% of the US · above 52% of Michigan |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 13 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| LakeNet | Fiber | 1,000 / 500 |
| Verizon | Fixed Wireless | 300 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures