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12703 Ring Rd, Saint Charles, MI 48655 Property Records

Saginaw County property record for 12703 Ring Rd, Saint Charles, MI 48655

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,908 sqft · built 1948
Lot Size2.97 acres (129,373 sqft)
OwnerIndividual Name on File
Last Sale$72,000 (Nov 2018)
Tax Bill$477 (2025)
Deeds & MortgagesNov 2018 Sale
Flood ZoneZone X (minimal risk)
APN24-10-3-18-3004-001

Property Details

APN / Parcel Number

Primary APN24-10-3-18-3004-001

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms6 Rooms
Stories1 Story
Building Area1,908 sqft Living Area
1st Floor Area1,908 sqft
Basement Area672 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1948
Effective Year BuiltEffective 1948
Exterior MaterialWood Siding
Roof TypeGable
Roof MaterialAsphalt
Lot Area129,373 sqft (2.97 acres)
Garage TypeDetached
Garage Area1,200 sqft
PorchCovered Porch
Porch Area220 sqft
Total Buildings3 Buildings

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Street Address12703 RING RD
CitySAINT CHARLES
StateMI
Zip48655-8500
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCOM AT NW CORN OF E 1/2 OF SW 1/4 OF SEC 18 TH E 412.5 FT TH S 378 FT TH W 412.5 FT TH N 378 FT TO POB 3.58 ACRES SEC 18 T10N R3E ***NEW PARCEL SPLIT FROM 3004 1/23/01 ***DESC CHANGED ALONG WITH 3004 1/22/01
Legal Range03E
Legal Township10N
Legal Section18
JurisdictionSAGINAW MI
Township / Civil DivisionST. CHARLES
Census Block Group3
Census Block3055
Census Tract12600

Owner

Source: Saginaw County records · APN 24-10-3-18-3004-001

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

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

Owner of RecordIndividual Name on File
Mailing Address12703 RING RD, SAINT CHARLES, MI 48655-8500
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleNov 21, 2018 · Amount on Record
Deed SaleNov 21, 2018 · Amount on Record
Deed Document Number201829110
Prior Transfer DateJan 09, 2001
Prior Transfer Doc0007020360
Record UpdatedSep 20, 2026

November 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSAGINAW MI
Recording DateNov 21, 2018
Property Address12703 RING RD, SAINT CHARLES, MI 48655-8500
Document Number0000029110
Instrument DateNov 19, 2018
Instrument29110
Transaction TypeTransfer
Record UpdatedDec 05, 2018
Title CompanySAGINAW BAY AREA TITLE AGENCY, SAGINAW BAY AREA TITLE AGCY

Transaction

AmountAmount Recorded
Tax$72.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address12703 RING ROAD ST ST CHARLES MI 48655, ST CHARLES, MI 48655

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMichigan
CountySaginaw County
County SubdivisionSt. Charles Township
Unified School DistrictSt. Charles Community Schools (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$100,900 (+19.98%)$201,800 (+19.98%)
2025$477.00 (-77.22%)
2023$84,100$168,200
2022$2,094.00

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 16 policies
Nearby Flood Policies16 in force
Nearby Flood Claims12 (1986–2020)
Most Recent ClaimMay 2020 · Severe Storms And Flooding
Claims by Event
  • Severe Storms And Flooding, May 2020 · 2 claims
  • Flooding, Apr 2013 · 2 claims
  • Severe Storms & Flooding, Sep 1986 · 7 claims

Wildfire

Wildfire RiskLow
lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood0.01% annual chance
ExposureDirect
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

ProviderMax Down / Up (Mbps)
LakeNet
Fiber		1,000 / 500
Verizon
Fixed Wireless		300 / 20

Based on FCC filings for 13 locations within half a mile of this property.

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