12774 Sharon Rd, Saint Charles, MI 48655 Property Records

Saginaw County property record for 12774 Sharon Rd, Saint Charles, MI 48655

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,621 sqft · built 1978
Lot Size	1.66 acres (72,310 sqft)
Owner	2 Individual Names on Record
Last Sale	$119,900 (Aug 2009)
Tax Bill	$2,532 (2025)
Deeds & Mortgages	Mar 2017 Mortgage Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-10-3-28-4002-001`

Property Details

APN / Parcel Number

Primary APN	`24-10-3-28-4002-001`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,621 sqft Living Area
1st Floor Area	1,621 sqft
Basement Area	1,205 sqft
Unfinished Basement	1,205 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	72,310 sqft (1.66 acres)
Garage Area	1,998 sqft
Parking Spaces	7 Parking Spaces
Porch	Covered Porch
Porch Area	77 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	12774 SHARON RD
City	SAINT CHARLES
State	MI
Zip	48655-9665
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT S 1/4 CORN OF SEC TH N03DEG E 1415.85 FT TO NW CORN OF SW 1/4 OF SE 1/4 OF SEC TH E 457.22 FT TO POB OF THIS DESC TH E
Legal Range	03E
Legal Township	10N
Legal Section	28
Jurisdiction	SAGINAW MI
Township / Civil Division	ST. CHARLES
Census Block Group	3
Census Block	3057
Census Tract	12600

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	12774 SHARON RD, SAINT CHARLES, MI 48655-9665
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2017	Deed of Trust, Mortgage SAGINAW MEDICAL FCU
Jan 12, 2022	Deed of Trust, Mortgage · Conventional Mortgage HEALTH ADVANTAGE FEDERAL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2009 · Amount on Record
Deed Sale	Aug 26, 2009 · Amount on Record
Prior Sale	Aug 12, 2004 · Amount on Record
Deed Document Number	200925544
Deed Book / Page	2549 / 2492
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	12774 SHARON RD, SAINT CHARLES, MI 48655-9665
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007064
Date	Mar 27, 2017
Book Page	2893/1746
Instrument	2017007064

Lender

Name	SAGINAW MEDICAL FCU
Type	Credit Union
Address	SAGINAW, MI 48608

Agreement

Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2037

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	12774 SHARON RD, SAINT CHARLES, MI 48655-9665
Transaction Type	Mortgage
Record Updated	Jan 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12774 SHARON RD, SAINT CHARLES, MI 48655-9665

Mortgage

Document Number	0000001070
Date	Jan 12, 2022
Instrument	2022001070

Lender

Name	HEALTH ADVANTAGE FEDERAL CU
Type	Credit Union
Address	SAGINAW, MI 48608

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2037

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$113,000 (+30.48%)	$226,000 (+30.48%)
2025	$2,532.00 (+17.11%) Homeowner's exemption
2023		$86,600	$173,200
2022	$2,162.00

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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	Severe Storms And Flooding, May 2020 · 2 claims Flooding, Apr 2013 · 2 claims Severe Storms & Flooding, Sep 1986 · 7 claims

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 96% of the US · lower than 91% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 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: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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