12690 Baumgartner Rd, Saint Charles, MI 48655 Property Records

Saginaw County property record for 12690 Baumgartner Rd, Saint Charles, MI 48655

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,160 sqft · built 1998
Lot Size	31.5 acres (1,372,140 sqft)
Owner	2 Individual Names on Record
Last Sale	$167,000 (May 2017)
Tax Bill	$3,681 (2025)
Deeds & Mortgages	Oct 2021 Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-11-3-30-3003-004`

Property Details

APN / Parcel Number

Primary APN	`26-11-3-30-3003-004`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,160 sqft Living Area
1st Floor Area	2,160 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	1,372,140 sqft (31.5 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Street Address	12690 BAUMGARTNER RD
City	SAINT CHARLES
State	MI
Zip	48655-8630
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG AT A PT 405 FT W FROM S 1/4 CORN TH CONT W 878.39 FT TH N 1309.19 FT TH E 1122.99 FT TH S 1007.02 FT TH W 240 FT TH S 300
Legal Range	03E
Legal Township	11N
Legal Section	30
Jurisdiction	SAGINAW MI
Township / Civil Division	SWAN CREEK
Census Block Group	1
Census Block	1061
Census Tract	11902

Owner

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	12690 BAUMGARTNER RD, SAINT CHARLES, MI 48655-8630
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage DOW CHEMICAL EMPLOYEES CU
May 22, 2017	Warranty Deed, Transfer · Conventional with PMI TEAM ONE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2017 · Amount on Record
Deed Sale	May 22, 2017 · Amount on Record
Prior Sale	Sep 23, 2016 · Amount on Record
Deed Document Number	201716628
Prior Transfer Date	Mar 14, 2000
Prior Transfer Doc	2169000441
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	12690 BAUMGARTNER RD, SAINT CHARLES, MI 48655-8630
Transaction Type	Mortgage
Record Updated	Oct 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12690 BAUMGARTNER RD, SAINT CHARLES, MI 48655-8630

Mortgage

Document Number	2021033323
Date	Oct 15, 2021
Instrument	2021033323

Lender

Name	DOW CHEMICAL EMPLOYEES CU
Type	Credit Union
Address	MIDLAND, MI 48641

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 11, 2036

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	May 22, 2017
Property Address	12690 BAUMGARTNER RD, SAINT CHARLES, MI 48655-8630
Document Number	0000016628
Instrument Date	May 19, 2017
Instrument	16628
Transaction Type	Transfer
Record Updated	Jun 9, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$167.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7237 SWAN CREEK RD SAGINAW MI 486095390, SAGINAW, MI 48609-5390

Mortgage

Document Number	16629
Date	May 22, 2017
Instrument	16629

Lender

Name	TEAM ONE CU
Type	Credit Union
Address	SAGINAW, MI 48607

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 21, 2047

Tax Assessment & Valuation

Source: Saginaw County assessment roll, as of August 21, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$192,200 (+77.63%)	$384,400 (+77.63%)
2025	$3,681.00 (+22.74%) Homeowner's exemption
2023		$108,200	$216,400
2022	$2,999.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2013)
Most Recent Claim	Apr 2013 · Flooding

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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	VILLAGE OF ST. CHARLES serves 2,054 people · EPA ID MI0006260
Water Source	Purchased surface water from CITY OF SAGINAW
Last State Inspection	Jul 2024
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6
AT&T Fixed Wireless	25 / 3

May also be available: LakeNet, Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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