Saginaw County property record for 12792 Gary Rd, Chesaning, MI 48616
| Property Type | Manufactured or Modular Home |
|---|---|
| Details | 3 bd · 2 ba · 1,352 sqft · built 1996 |
| Lot Size | 2.78 acres (121,097 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $198,000 (Apr 2025) |
| Tax Bill | $2,774 (2025) |
| Deeds & Mortgages | Feb 2024 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-10-3-31-3027-000 |
| Primary APN | 24-10-3-31-3027-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,352 sqft Living Area |
| 1st Floor Area | 1,352 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Modular |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 121,097 sqft (2.78 acres) |
| Garage Area | 3,040 sqft |
| Parking Spaces | 10 Parking Spaces |
| Porch | Covered Porch |
|---|---|
| Porch Area | 192 sqft |
| Deck Area | Deck Area |
| Patio Area | 127 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 12792 GARY RD |
|---|---|
| City | CHESANING |
| State | MI |
| Zip | 48616-9431 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Manufactured or Modular Home |
| Legal Description | W 125 FT OF E 500 FT OF S 498.85 FT OF W 1/2 OF SW FRL 1/4 2.87 ACRES SEC 31 T10N R3E |
| Legal Range | 03E |
| Legal Township | 10N |
| Legal Section | 31 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 3 |
| Census Block | 3071 |
| Census Tract | 12600 |
12792 Gary Rd, a residential property, is owned and occupied by two individuals who bought it in April 2025.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12792 GARY RD, CHESANING, MI 48616-9431 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 16, 2025 · Amount on File |
| Deed Sale | Apr 16, 2025 · Amount on File |
| Prior Sale | Jul 20, 1995 · Amount on File |
| Deed Document Number | 20259897 |
| Prior Transfer Date | Nov 30, 2023 |
| Prior Transfer Doc | 0000003490 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Feb 27, 2024 |
| Property Address | 12792 GARY RD, CHESANING, MI 48616-9431 |
| Document Number | 0000003490 |
| Instrument Date | Nov 30, 2023 |
| Instrument | 2024003490 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12792 GARY RD, CHESANING, MI 48616-9431 |
| Name | Verified Name |
|---|---|
| Address | 12792 GARY RD, CHESANING, MI 48616-9431 |
The 2025 property tax bill for 12792 Gary Rd was $2,774 with a homeowner's exemption.
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | St. Charles Township |
| Unified School District | Chesaning Union Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $110,000 | $220,000 | |
| 2025 | $2,774.00 Homeowner's exemption | ||
| 2023 | $87,000 | $174,000 | |
| 2022 | $2,387.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 12792 Gary Rd in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1986.
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 |
| Flood Insurance Cost | Premium on File 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 |
|
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 risk around 12792 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.
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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