12989 W Burt Rd, Chesaning, MI 48616 Property Records

Saginaw County property record for 12989 W Burt Rd, Chesaning, MI 48616

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,032 sqft · built 2003
Lot Size	2.12 acres (92,347 sqft)
Owner	Individual Name on Record
Last Sale	$190,000 (Jun 2026)
Tax Bill	$747 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-10-3-31-2002-002`

Property Details

APN / Parcel Number

Primary APN	`24-10-3-31-2002-002`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,032 sqft Living Area
1st Floor Area	1,008 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	92,347 sqft (2.12 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	108 sqft
Patio Area	432 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	12989 W BURT RD
City	CHESANING
State	MI
Zip	48616-9424
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 320 FT OF N 479.69 FT OF NW FRL 1/4 EXC N 229.69 FT OF E 254 FT THEREOF 2.19 ACRES SEC 31 T10N R3E ***NEW # SPLIT FROM PARENT 2002-001 6/6/06
Legal Range	03E
Legal Township	10N
Legal Section	31
Jurisdiction	SAGINAW MI
Township / Civil Division	ST. CHARLES
Census Block Group	3
Census Block	3072
Census Tract	12600

Owner

Source: Saginaw County records, as of July 20, 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 Record
Mailing Address	13311 FERGUS RD, CHESANING, MI 48616-9550
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2026	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 INCORPORATED
Nov 3, 2020	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2026 · Amount on Record
Deed Sale	Jun 26, 2026 · Amount on Record
Prior Sale	Nov 3, 2020 · Amount on Record
Deed Document Number	202617073
Prior Transfer Date	May 18, 2007
Prior Transfer Doc	0000018180
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Jun 26, 2026
Property Address	12989 W BURT RD, CHESANING, MI 48616-9424
Document Number	0000017073
Instrument Date	Jun 23, 2026
Instrument	202617073
Transaction Type	Transfer
Record Updated	Jul 7, 2026
Title Company	CISLO TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$143,925.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13311 FERGUS RD, CHESANING, MI 48616-9550

Mortgage

Document Number	0000017074,
Date	Jun 26, 2026
Instrument	202617074

Lender

Name	MORTGAGE 1 INCORPORATED

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0000017075,
Date	Jun 26, 2026
Instrument	202617075

Lender

Name	MICHIGAN STATE HSNG DEV AUTH

Agreement

Amount	Amount Recorded

Interest

Rate	6.36%
Max Rate	-1%

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Nov 3, 2020
Property Address	12989 W BURT RD, CHESANING, MI 48616-9424
Document Number	2020027890
Instrument Date	Oct 30, 2020
Instrument	2020027890
Transaction Type	Transfer
Record Updated	Sep 2, 2021
Title Company	CISLO TTL CO TTL INS & ESCRO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,035.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12989 W BURT RD, 12989, CHESANING, MI 48616-9424

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12989 W BURT RD, CHESANING, MI 48616-9424

Mortgage

Document Number	2020027891
Date	Nov 3, 2020
Instrument	2020027891

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

Source: Saginaw County assessment roll, as of September 9, 2025

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	St. Charles Township
Unified School District	Chesaning Union Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$94,900 (+9.97%)	$189,800 (+9.97%)
2025	$747.00 (-65.48%) Homeowner's exemption	$86,300 (+19.03%)	$172,600 (+19.03%)
2023		$72,500	$145,000
2022	$2,164.00

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 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	12 (1986–2020)
Most Recent Claim	May 2020 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2020 · 2 claims Flooding, Apr 2013 · 2 claims Severe Storms & Flooding, Sep 1986 · 7 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 96% of the US · lower than 91% of Michigan
Wildfire Likelihood	Under 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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LakeNet Fiber	1,000 / 500
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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