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12850 Ithaca Rd, Saint Charles, MI 48655 Property Records

Saginaw County property record for 12850 Ithaca Rd, Saint Charles, MI 48655

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,624 sqft · built 1998
Lot Size1.93 acres (84,071 sqft)
OwnerIndividual Name on File
Last Sale$183,000 (Sep 2022)
Tax Bill$1,024 (2025)
Deeds & MortgagesSep 2022 Sale & Mortgage
Sep 2017 Transfer
Flood ZoneZone X (minimal risk)
APN24-10-3-06-3004-006

Property Details

APN / Parcel Number

Primary APN24-10-3-06-3004-006

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Stories2 Stories
Building Area1,624 sqft Living Area
1st Floor Area1,064 sqft

Exterior

Year BuiltBuilt 1998
Effective Year BuiltEffective 1998
Exterior MaterialAluminum/Vinyl
Foundation TypeNo Foundation
Roof TypeGable
Roof MaterialAsphalt
Lot Area84,071 sqft (1.93 acres)
Garage Area1,120 sqft
Parking Spaces4 Parking Spaces
Deck AreaDeck Area
Patio Area304 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas
SewerStorm Sewer

Location & Zoning

Street Address12850 ITHACA RD
CitySAINT CHARLES
StateMI
Zip48655-8511
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBEG AT A PT 668.20 FT N78DEG E FROM SW CORN OF SEC 6 TH N 463.52 FT TH N78DEG E 200 FT TH S 463.52 FT TH S78DEG W 200 FT TO POB 2.13 ACRES SEC 6 T10N R3E ***NEW SPLIT FROM 3004-000 1/17/98
Legal Range03E
Legal Township10N
Legal Section06
JurisdictionSAGINAW MI
Township / Civil DivisionST. CHARLES
Census Block Group1
Census Block1025
Census Tract12600

Owner

Source: Saginaw County assessment roll, APN 24-10-3-06-3004-006, as of 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 Address12850 ITHACA RD, SAINT CHARLES, MI 48655-8511
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 06, 2022Warranty Deed, Transfer · Conventional Mortgage
ROCKET MORTGAGE LLC
Sep 21, 2017Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleSep 06, 2022 · Amount on Record
Deed SaleSep 06, 2022 · Amount on Record
Prior SaleOct 16, 1997 · Amount on Record
Deed Document Number202223851
Record UpdatedSep 20, 2026

September 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSAGINAW MI
Recording DateSep 06, 2022
Property Address12850 ITHACA RD, SAINT CHARLES, MI 48655-8511
Document Number0000023851
Instrument DateAug 29, 2022
Instrument2022023851
Transaction TypeTransfer
Record UpdatedSep 23, 2022
Title CompanySAGINAW BAY AREA TITLE AGCY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,372.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address12850 ITHACA RD, 12850, SAINT CHARLES, MI 48655-8511

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000023852
DateSep 06, 2022
Instrument2022023852
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 01, 2052

September 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSAGINAW MI
Recording DateSep 21, 2017
Property Address12850 ITHACA RD, SAINT CHARLES, MI 48655-8511
Document Number0000026115
Instrument DateJul 14, 2017
Instrument26115
Transaction TypeTransfer
Record UpdatedSep 27, 2017
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address12850 ITHACA RD ST CHARLES MI 486558511, ST CHARLES, MI 48655-8511

Tax Assessment & Valuation

Source: Saginaw County assessment roll as of 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, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2026$113,000 (+30.94%)$226,000 (+30.94%)
2025$1,024.00 (-52.31%) Homeowner's exemption
2023$86,300$172,600
2022$2,147.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Saginaw County (26145C), as of March 29, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261450126001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 22 policies
Nearby Flood Policies22 in force
Nearby Flood Claims7 (1986–2026)
Claims Outside the SFHA1 of 7
Most Recent ClaimApr 2026
Claims by Event
  • Severe Storms & Flooding, Sep 1986 · 2 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, 27 locations within half a mile, as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Starlink
Satellite		280 / 30

May also be available: LakeNet.

Cell Coverage

5G (outdoors only) and 4G LTE

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