12948 Ring Rd, Saint Charles, MI 48655 Property Records

Saginaw County property record for 12948 Ring Rd, Saint Charles, MI 48655 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,064 sqft · built 1875
Lot Size	4.53 acres (197,327 sqft)
Owner	2 Individual Names on File
Tax Bill	$506 (2025)
Deeds & Mortgages	Dec 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`24-10-3-18-2003-001`

Property Details

APN / Parcel Number

Primary APN	`24-10-3-18-2003-001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,064 sqft Living Area
1st Floor Area	1,296 sqft 1st Floor
Stories	2 Stories

Exterior

Year Built	Built 1875
Effective Year Built	Effective 1875
Lot Area	197,327 sqft (4.53 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	12948 RING RD
City	SAINT CHARLES
State	MI
Zip	48655-8500
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG AT W ? COR SEC 18 T10N R3E TH N00DEG00?00?E 412.52 FT AL W LI SD SEC TH N83DEG01?34?E 483.68 FT TH S24DEG38?28?E 378.64 FT TO E&W ? LI TH S78DEG44?00?W 650.51 FT TO POB BEING PT OF W FRL ? OF NW FRL ? SEC 18 T10N R3E ? 5.02 ACRES SPLIT/COMBINED O
Legal Range	03E
Legal Township	10N
Legal Section	18
Jurisdiction	SAGINAW MI
Township / Civil Division	ST. CHARLES
Census Block Group	1
Census Block	1027
Census Tract	12600

Owner

Source: Saginaw County records · APN 24-10-3-18-2003-001

Assessment roll updated 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 Record	2 Individual Names on File
Mailing Address	9900 S GRAHAM RD, SAINT CHARLES, MI 48655-9503
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Dec 06, 2022
Transfer Doc	0000031536
Record Updated	Sep 20, 2026

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAGINAW MI
Recording Date	Dec 15, 2022
Property Address	12948 RING RD, SAINT CHARLES, MI 48655-8500
Document Number	0000031536
Instrument Date	Dec 06, 2022
Instrument	2022031536
Transaction Type	Transfer
Record Updated	Jun 07, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9900 S GRAHAM RD, SAINT CHARLES, MI 48655-9503

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9900 S GRAHAM RD, SAINT CHARLES, MI 48655-9503

Tax Assessment & Valuation

Source: Saginaw County records · Assessment roll updated September 9, 2025 · Last verified July 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$118,900 (+15.55%)	$237,800 (+15.55%)
2025	$506.00 (-77.07%)
2023		$102,900	$205,800
2022	$2,207.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Saginaw County (26145C), updated March 29, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 52% of Michigan
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.