Saginaw County property record for 12997 Stuart Rd, Saint Charles, MI 48655 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2.5 Baths |
| Year Built | Built 1920 |
| Square Footage | 1,728 sqft Living Area |
| Lot Size | 71,438 sqft (1.64 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $215,000 (2021) |
| Tax Bill | $1,065.00 (2025) |
Source: Saginaw County records · APN 24-10-3-26-3002-005
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 | 12997 STUART RD, SAINT CHARLES, MI 48655-9643 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Aug 08, 2022 | Deed of Trust, Mortgage · Line of Credit ALLIANCE CATHOLIC CU |
| Oct 14, 2021 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 14, 2021 · Amount on Record |
| Deed Sale | Oct 14, 2021 · Amount on Record |
| Prior Sale | Nov 04, 2010 · Amount on Record |
| Deed Doc Number | 202133272 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 12997 STUART RD, SAINT CHARLES, MI 48655-9643 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Name | Verified Name |
|---|---|
| Address | 12997 STUART RD, SAINT CHARLES, MI 48655-9643 |
| Document Number | 0000021434 |
|---|---|
| Date | Aug 08, 2022 |
| Instrument | 2022021434 |
| Name | ALLIANCE CATHOLIC CU |
|---|---|
| Type | Credit Union |
| Address | FARMINGTON, MI 48334 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 28, 2042 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Oct 14, 2021 |
| Property Address | 12997 STUART RD, SAINT CHARLES, MI 48655-9643 |
| Document Number | 0000033272 |
| Instrument Date | Oct 13, 2021 |
| Instrument | 2021033272 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,612.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12997 STUART RD, 12997, SAINT CHARLES, MI 48655-9643 |
| Name | Verified Name |
|---|---|
| Address | 3972 OAK KNOLL RD, WATERFORD, MI 48328-4068 |
| Document Number | 0000033205 |
|---|---|
| Date | Oct 14, 2021 |
| Instrument | 2021033205 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2051 |
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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $128,900 (+28%) | $257,800 (+28%) | |
| 2025 | $1,065.00 (-64.39%) Homeowner's exemption | ||
| 2023 | $100,700 | $201,400 | |
| 2022 | $2,991.00 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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; lenders make the official flood determination.
| Primary APN | 24-10-3-26-3002-005 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,728 sqft Living Area |
| 1st Floor | 960 sqft 1st Floor |
| Basement Area | 960 sqft Basement |
| Finished Basement | 960 sqft Finished |
| Stories | 2 Stories |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Aluminum/Vinyl Exterior |
| Roof Construction | Gambrel Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 71,438 sqft (1.64 acres) |
| Parking Spaces | 20 Parking Spaces |
| Garage Area | 6,076 sqft Garage |
| Porch | Covered Porch |
| Porch Area | 192 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Street Address | 12997 STUART RD |
|---|---|
| City | SAINT CHARLES |
| State | MI |
| Zip | 48655-9643 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | BEG AT SW CORN OF SEC TH N 248.04 FT TH N86DEG E 366 FT TH S 248.04 FT TH S86DEG W 366 FT TO POB 2.08 ACRES SEC 26 T10N R3E ***NEW # SPLIT FROM PARENT 3002-001 6/5/06 |
| Legal Range | 03E |
| Legal Township | 10N |
| Legal Section | 26 |
| Jurisdiction | SAGINAW MI |
| Minor Civil Division | ST. CHARLES |
| Census Blockgroup | 3 |
| Census Block | 3078 |
| Census Tract | 12600 |
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