12765 Gary Rd, Chesaning, MI 48616 Property Records

Saginaw County property record for 12765 Gary Rd, Chesaning, MI 48616

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 3,488 sqft · built 2013
Lot Size	58 acres (2,526,480 sqft)
Owner	2 Individual Names on File
Tax Bill	$9,660 (2025)
Deeds & Mortgages	Dec 2017 Refinance Jul 2020 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-09-3-06-2002-007`

Property Details

APN / Parcel Number

Primary APN	`13-09-3-06-2002-007`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,488 sqft Living Area
1st Floor Area	2,052 sqft

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Lot Area	2,526,480 sqft (58 acres)
Garage Area	1,456 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	12765 GARY RD
City	CHESANING
State	MI
Zip	48616-9431
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 1/2 OF E 1/2 OF NW FRL 1/4 OF SEC AND W 1/2 OF NW 1/4 EXC W 38 ACRES THEREOF ALSO EXC THAT PT SOLD TO CPCO IN L 1282 P 162
Legal Range	03E
Legal Township	09N
Legal Section	06
Jurisdiction	SAGINAW MI
Township / Civil Division	CHESANING
Census Block Group	1
Census Block	1004
Census Tract	12700

Owner

12765 Gary Rd is owned and occupied by two individuals who acquired it in July 2020.

Source: Saginaw County records, as of August 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12765 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.

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2017	Deed of Trust, Mortgage · Stand-Alone Refinance STATE BANK
Jul 23, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Jul 23, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Jul 23, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 2, 2020
Transfer Doc	0000018213
Record Updated	Oct 29, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	12765 GARY RD, CHESANING, MI 48616-9431
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032622
Date	Dec 7, 2017
Instrument	2017032622

Lender

Name	STATE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAGINAW MI
Recording Date	Jul 23, 2020
Property Address	12765 GARY RD, CHESANING, MI 48616-9431
Document Number	0000018213
Instrument Date	Jul 21, 2020
Instrument	18213
Transaction Type	Transfer
Record Updated	Sep 9, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12765 GARY RD CHESANING MI 486169431, CHESANING, MI 48616-9431

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAGINAW MI
Recording Date	Jul 23, 2020
Property Address	12765 GARY RD, CHESANING, MI 48616-9431
Document Number	0000018216
Instrument Date	Jul 3, 2020
Instrument	18216
Transaction Type	Transfer
Record Updated	Sep 7, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	12765 GARY RD CHESANING MI 486169431, CHESANING, MI 48616-9431

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAGINAW MI
Recording Date	Jul 23, 2020
Property Address	12765 GARY RD, CHESANING, MI 48616-9431
Document Number	0000018214
Instrument Date	Jul 2, 2020
Instrument	18214
Transaction Type	Transfer
Record Updated	Sep 7, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12765 GARY RD CHESANING MI 486169431, CHESANING, MI 48616-9431

Tax Assessment & Valuation

The 2025 property tax bill for 12765 Gary Rd was $9,660 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	Chesaning Township
Unified School District	Chesaning Union Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$459,100	$918,200
2025	$9,660.00 Homeowner's exemption
2023		$377,900	$755,800
2022	$8,472.00

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

Flood

FEMA maps place 12765 Gary 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

Wildfire risk around 12765 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 94% of the US · lower than 87% of Michigan
Wildfire Likelihood	Under 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.

Internet Providers

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

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T, Spectrum, T-Mobile.

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