12970 Ring Rd, Saint Charles, MI 48655 Property Records

Saginaw County property record for 12970 Ring Rd, Saint Charles, MI 48655 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,430 sqft · built 1972
Lot Size	48 acres (2,094,365 sqft)
Owner	Company Name on File
Tax Bill	$1,284 (2025)
Flood Zone	Zone X (minimal risk)
APN	`24-10-3-18-2004-000`

Property Details

APN / Parcel Number

Primary APN	`24-10-3-18-2004-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,430 sqft Living Area
1st Floor Area	1,759 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Exterior Material	Wood Siding
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	2,094,365 sqft (48 acres)
Garage Area	1,578 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	437 sqft
Deck Area	Deck Area
Patio Area	24 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	12970 RING RD
City	SAINT CHARLES
State	MI
Zip	48655-8500
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 48.08 ACRES OF W FRL 1/2 OF NW FRL 1/4 48.08 ACRES SEC 18 T10N R3E
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 24-10-3-18-2004-000

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	Company Name on File
Mailing Address	PO BOX 85, SAINT CHARLES, MI 48655-0085
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 24, 2008
Deed Sale	Feb 24, 2008
Deed Book / Page	2481 / 866
Record Updated	Sep 20, 2026

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		$196,100 (+23.49%)	$392,200 (+23.49%)
2025	$1,284.00 (-62.63%) Homeowner's exemption
2023		$158,800	$317,600
2022	$3,436.00

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Cost	Premium on Record median of 22 individual NFIP policies nearby
Nearby Flood Policies	22 in force 18 of 22 on primary residences
Nearby Flood Claims	7 (1986–2026)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Apr 2026
Flood Events	Severe Storms & Flooding (Sep 1986), 2 claims

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.