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12970 Ithaca Rd, Saint Charles, MI 48655 Property Records

Saginaw County property record for 12970 Ithaca Rd, Saint Charles, MI 48655

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,037 sqft · built 1999
Lot Size1.44 acres (62,726 sqft)
OwnerIndividual Name on File
Last Sale$180,000 (Nov 2025)
Tax Bill$1,013 (2025)
Deeds & MortgagesNov 2025 Sale & Mortgage
Nov 2025 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN24-10-3-06-3004-009

Property Details

APN / Parcel Number

Primary APN24-10-3-06-3004-009

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Stories1 Story
Building Area2,037 sqft Living Area
1st Floor Area2,037 sqft

Exterior

Year BuiltBuilt 1999
Effective Year BuiltEffective 1999
Exterior MaterialAluminum/Vinyl
Foundation TypeNo Foundation
Roof TypeGable
Roof MaterialAsphalt
Lot Area62,726 sqft (1.44 acres)
Garage Area1,200 sqft
Parking Spaces5 Parking Spaces
PorchCovered Porch
Porch Area502 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address12970 ITHACA RD
CitySAINT CHARLES
StateMI
Zip48655-8510
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBEG AT A PT WHICH IS 150 FT N78DEG E FROM SW CORN OF SEC 6 TH N02DEG E 465.26 FT TH N78DEG E 150 FT TH S02DEG W 465.26 FT TH S78DEG W 150 FT TO POB 1.56 ACRES SEC 6 T10N R3E ***NEW PARCEL SPLIT FROM 3004 11/6/98
Legal Range03E
Legal Township10N
Legal Section06
JurisdictionSAGINAW MI
Township / Civil DivisionST. CHARLES
Census Block Group1
Census Block1025
Census Tract12600

Owner

Source: Saginaw County records · APN 24-10-3-06-3004-009

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 RecordIndividual Name on File
Mailing Address626 FLINT ST, SAINT CHARLES, MI 48655-1846
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 13, 2025Warranty Deed, Transfer · Conventional Mortgage
UNITED FINANCIAL CU
Nov 07, 2025Warranty Deed, Transfer · Conventional Mortgage
UNITED FINANCIAL CU

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleNov 13, 2025 · Amount on Record
Deed SaleNov 13, 2025 · Amount on Record
Prior SaleNov 07, 2025 · Amount on Record
Record UpdatedSep 20, 2026

November 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSAGINAW MI
Recording DateNov 13, 2025
Property Address12970 ITHACA RD, SAINT CHARLES, MI 48655-8510
Document Number0000026662
Instrument DateOct 23, 2025
Instrument2025026662
Transaction TypeTransfer
Record UpdatedApr 03, 2026
Title CompanySAGINAW BAY AREA TITLE AGENCY, SAGINAW BAY AREA TITLE AGCY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,350.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address12970 ITHACA RD, SAINT CHARLES, MI 48655-8510

Transferred To (Grantee/Buyer)

NameVerified Name
Address626 FLINT ST, SAINT CHARLES, MI 48655-1846

Mortgage

Document Number0000026663
DateNov 13, 2025
Instrument2025026663
Lender
NameUNITED FINANCIAL CU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term120 Months
DueNov 01, 2035

November 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSAGINAW MI
Recording DateNov 07, 2025
Property Address12970 ITHACA RD, SAINT CHARLES, MI 48655-8510
Document Number0000026171
Instrument DateOct 23, 2025
Instrument2025026171
Transaction TypeTransfer
Record UpdatedApr 03, 2026
Title CompanySAGINAW BAY AREA TITLE AGENCY, SAGINAW BAY AREA TITLE AGCY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,350.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address12970 ITHACA RD, SAINT CHARLES, MI 48655-8510

Transferred To (Grantee/Buyer)

NameVerified Name
Address626 FLINT ST, SAINT CHARLES, MI 48655-1846

Mortgage

Document Number0000026172
DateNov 07, 2025
Instrument2025026172
Lender
NameUNITED FINANCIAL CU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term120 Months
DueNov 01, 2035

Tax Assessment & Valuation

Source: Saginaw County records · Assessment roll updated 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 and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2026$127,200 (+12.27%)$254,400 (+12.27%)
2025$1,013.00 (-68.9%) Homeowner's exemption$113,300 (+17.78%)$226,600 (+17.78%)
2024$3,257.00 (+18.05%)
2023$96,200$192,400
2022$2,759.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Saginaw County (26145C), updated March 29, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261450126001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels 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, availability as of December 31, 2025 · sampled at 27 locations within half a mile · 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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