Saginaw County property record for 12870 Gary Rd, Chesaning, MI 48616
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,176 sqft · built 1974 |
| Lot Size | 6.97 acres (303,613 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $101,109 (Oct 2021) |
| Tax Bill | $2,458 (2025) |
| Deeds & Mortgages | Oct 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-10-3-31-3010-001 |
| Primary APN | 24-10-3-31-3010-001 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,176 sqft Living Area |
| 1st Floor Area | 1,176 sqft |
| Basement Area | 960 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Lot Area | 303,613 sqft (6.97 acres) |
| Garage Area | 1,632 sqft |
| Parking Spaces | 6 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 12870 GARY RD |
|---|---|
| City | CHESANING |
| State | MI |
| Zip | 48616-9431 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COM AT SW CORN OF SEC TH E 367.87 FT ALONG S SEC LN & POB TH N 500 FT TH E 169.38 FT TH N 150 FT TH E 933.16 FT TH S 150 FT |
| 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 |
12870 Gary Rd is owned and occupied by two individuals who bought it in October 2021.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12870 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 8, 2021 · Amount on File |
| Deed Sale | Oct 8, 2021 · Amount on File |
| Prior Sale | Oct 20, 2015 · Amount on File |
| Deed Document Number | 202132737 |
| Prior Transfer Date | Dec 14, 2016 |
| Prior Transfer Doc | 0000032233 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Oct 8, 2021 |
| Property Address | 12870 GARY RD, CHESANING, MI 48616-9431 |
| Document Number | 2021032737 |
| Instrument Date | Sep 24, 2021 |
| Instrument | 2021032737 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2021 |
| Title Company | CROSSROADS TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $761.25 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10490 S HEMLOCK RD, 10490, BRANT, MI 48614-9789 |
| Name | Verified Name |
|---|---|
| Address | 12870 GARY RD, CHESANING, MI 48616-9431 |
| Document Number | 2021032738 |
|---|---|
| Date | Oct 8, 2021 |
| Instrument | 2021032738 |
| Name | FIRST AREA CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2051 |
The 2025 property tax bill for 12870 Gary Rd was $2,458 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 | $98,300 | $196,600 | |
| 2025 | $2,458.00 Homeowner's exemption | ||
| 2023 | $76,100 | $152,200 | |
| 2022 | $2,166.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12870 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 12870 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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