12886 Ithaca Rd, Saint Charles, MI 48655 Property Records

Saginaw County property record for 12886 Ithaca Rd, Saint Charles, MI 48655

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,452 sqft · built 1999
Lot Size	1.88 acres (81,893 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,000 (Nov 2025)
Tax Bill	$2,632 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Apr 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`24-10-3-06-3004-005`

Property Details

APN / Parcel Number

Primary APN	`24-10-3-06-3004-005`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,452 sqft Living Area
1st Floor Area	1,452 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	81,893 sqft (1.88 acres)
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Covered Porch
Porch Area	252 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Storm Sewer

Location & Zoning

Street Address	12886 ITHACA RD
City	SAINT CHARLES
State	MI
Zip	48655-8511
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT SW CORN OF SEC 6 TH N 78? E 473.20 FT TO POB TH N 78? E 195 FT TH N 463.52 FT TH S 78? W 192.76 FT TH S 464.03 FT TO
Legal Range	03E
Legal Township	10N
Legal Section	06
Jurisdiction	SAGINAW MI
Township / Civil Division	ST. CHARLES
Census Block Group	1
Census Block	1025
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	23608 E FREMONT CIR, 202, AURORA, CO 80016-2615
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2025	Warranty Deed, Transfer · Conventional Mortgage TEAM ONE CU
Apr 18, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 5, 2025 · Amount on Record
Deed Sale	Nov 5, 2025 · Amount on Record
Prior Sale	Jun 22, 1998 · Amount on Record
Deed Document Number	202525951
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Nov 5, 2025
Property Address	12886 ITHACA RD, SAINT CHARLES, MI 48655-8511
Document Number	0000025951
Instrument Date	Oct 28, 2025
Instrument	2025025951
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	CROSSROADS TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,687.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12886 ITHACA RD, SAINT CHARLES, MI 48655-8511

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23608 E FREMONT CIR UNIT 202, 202, AURORA, CO 80016-2615

Mortgage

Document Number	0000025952
Date	Nov 5, 2025
Instrument	2025025952

Lender

Name	TEAM ONE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 1, 2045

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAGINAW MI
Recording Date	Apr 18, 2019
Property Address	12886 ITHACA RD, SAINT CHARLES, MI 48655-8511
Document Number	0000011577
Instrument Date	Mar 12, 2019
Instrument	11577
Transaction Type	Transfer
Record Updated	Jan 10, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	12866 ITHACA RD ST CHARLES MI 48655, ST CHARLES, MI 48655

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	St. Charles Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$108,900 (+11.24%)	$217,800 (+11.24%)
2025	$2,632.00 (+2.81%) Homeowner's exemption	$97,900 (+17.95%)	$195,800 (+17.95%)
2024	$2,560.00 (+17.81%)
2023		$83,000	$166,000
2022	$2,173.00

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.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	7 (1986–2026)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Apr 2026
Claims by Event	Severe Storms & Flooding, Sep 1986 · 2 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	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 27 locations within half a mile, as of December 31, 2025

Provider	Max 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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