13070 Ring Rd, Saint Charles, MI 48655 Property Records

Saginaw County property record for 13070 Ring Rd, Saint Charles, MI 48655

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,248 sqft · built 1975
Lot Size	0.816 acres (35,545 sqft)
Owner	Individual Name on Record
Last Sale	$215,000 (Mar 2022)
Tax Bill	$3,099 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-10-2-13-1008-000`

Property Details

APN / Parcel Number

Primary APN	`08-10-2-13-1008-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,248 sqft Living Area
1st Floor Area	1,248 sqft
Basement Area	1,248 sqft
Unfinished Basement	1,248 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Combination
Roof Type	Gable
Roof Material	Asphalt
Lot Area	35,545 sqft (0.816 acres)
Lot Dimensions	267 ft deep x 120 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	124 sqft
Deck Area	Deck Area
Patio Area	980 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	13070 RING RD
City	SAINT CHARLES
State	MI
Zip	48655-9517
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 120 FT OF W 674 FT OF S 300 FT OF SE 1/4 OF NE 1/4 .82 ACRE SEC 13 T10N R2E
Legal Range	02E
Legal Township	10N
Legal Section	13
Jurisdiction	SAGINAW MI
Township / Civil Division	BRANT
Census Block Group	1
Census Block	1040
Census Tract	12400

Owner

Source: Saginaw County records, as of August 21, 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	13070 RING RD, SAINT CHARLES, MI 48655-9517
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2022	Warranty Deed, Transfer · FHA Mortgage CASON HOME LOANS
Mar 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage WANIGAS CU
Aug 24, 2018	Deed of Trust, Mortgage · ARM STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 11, 2022 · Amount on Record
Deed Sale	Mar 11, 2022 · Amount on Record
Prior Sale	Apr 26, 1984 · Amount on Record
Deed Document Number	20226240
Prior Transfer Date	Aug 1, 2003
Prior Transfer Doc	0007164073
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Mar 11, 2022
Property Address	13070 RING RD, SAINT CHARLES, MI 48655-9517
Document Number	0000006240
Instrument Date	Mar 2, 2022
Instrument	2022006240
Transaction Type	Transfer
Record Updated	Mar 28, 2022
Title Company	DIVERSIFIED NATL TTL AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,612.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13070 RING RD, 13070, SAINT CHARLES, MI 48655-9517

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20695 W CUPP RD, ELSIE, MI 48831-9268

Mortgage

Document Number	0000005315
Date	Mar 3, 2022
Instrument	2022005315

Lender

Name	CASON HOME LOANS
Type	Mortgage Company
Address	NORTH PALM BEACH, FL 33408

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	13070 RING RD, SAINT CHARLES, MI 48655-9517
Transaction Type	Mortgage
Record Updated	Apr 2, 2021
Title Company	DIVERSIFIED NATIONAL TITLE AGENCY, DIVERSIFIED NATL TTL AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13070 RING RD, SAINT CHARLES, MI 48655-9517

Mortgage

Document Number	2021007887
Date	Mar 17, 2021
Instrument	2021007887

Lender

Name	WANIGAS CU
Type	Credit Union
Address	SAGINAW, MI 48603

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	13070 RING RD, SAINT CHARLES, MI 48655-9517
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022344
Date	Aug 24, 2018
Instrument	2018022344

Lender

Name	STATE BANK

Agreement

Type	ARM
Amount	Amount Recorded
Term	157 Months
Due	Sep 1, 2031

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Sep 1, 2028
Index	1-Year CMT

Tax Assessment & Valuation

Source: Saginaw County assessment roll, as of August 21, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$110,600 (+28.46%)	$221,200 (+28.46%)
2025	$3,099.00 (+77.29%) Homeowner's exemption
2023		$86,100	$172,200
2022	$1,748.00

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
Nearby Flood Policies	5 in force
Nearby Flood Claims	3 (2008–2021)
Most Recent Claim	Jun 2021 · rainfall accumulation

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 80% of the US · above 51% of Michigan
Wildfire Likelihood	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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LakeNet Fiber	1,000 / 500

Cell Coverage

5G and 4G LTE (outdoors only)

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