Saginaw County property record for 12972 Gary Rd, Chesaning, MI 48616 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,274 sqft · built 2005 |
| Lot Size | 1.22 acres (53,143 sqft) |
| Owner | Individual Name on File |
| Last Sale | $71,000 (Dec 2009) |
| Tax Bill | $648 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-10-3-31-3002-000 |
| Primary APN | 24-10-3-31-3002-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,274 sqft Living Area |
| 1st Floor Area | 1,274 sqft |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 53,143 sqft (1.22 acres) |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | Deck Area |
| Patio Area | 71 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 12972 GARY RD |
|---|---|
| City | CHESANING |
| State | MI |
| Zip | 48616-8452 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | W 264 FT OF S 327 FT OF SW FRL 1/4 EXC ROAD R/W ALSO EXC COM AT SW CORN OF SEC TH N87DEG E 199 FT TH N 33.03 FT TH N87DEG E 49.06 FT TO POB TH N 294.29 FT TH N87DEG E 16.02 FT TH S 294.29 FT TH S87DEG W 16.02 FT TO POB 1.22 ACRES SEC 31 T10N R3E ***D |
| 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 |
Source: Saginaw County records · APN 24-10-3-31-3002-000
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 | Individual Name on File |
|---|---|
| Mailing Address | 12972 GARY RD, CHESANING, MI 48616-8452 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 18, 2009 · Amount on Record |
| Deed Sale | Dec 18, 2009 · Amount on Record |
| Prior Sale | Sep 25, 2008 |
| Deed Document Number | 200935158 |
| Deed Book / Page | 2562 / 606 |
| Prior Transfer Date | Nov 30, 2006 |
| Prior Transfer Doc | 0000043649 |
| Record Updated | Sep 20, 2026 |
Source: Saginaw County records · Assessment roll updated September 9, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | St. Charles Township |
| Unified School District | Chesaning Union Schools (KG - 12) |
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 | $90,600 (+11.58%) | $181,200 (+11.58%) | |
| 2025 | $648.00 (-66.48%) Homeowner's exemption | $81,200 (+18.54%) | $162,400 (+18.54%) |
| 2023 | $68,500 | $137,000 | |
| 2022 | $1,933.00 |
Source: FEMA National Flood Hazard Layer, Saginaw County (26145C), updated March 29, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261450126003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 16 individual NFIP policies nearby |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 12 (1986–2020) |
| Most Recent Claim | May 2020, river or lake flooding, Severe Storms And Flooding |
| Claims By Storm |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 31 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Verizon | Fixed Wireless | 300 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: Spectrum, AT&T, T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.
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