13109 Ring Rd, Saint Charles, MI 48655 Property Records

Saginaw County property record for 13109 Ring Rd, Saint Charles, MI 48655

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,994 sqft · built 1968
Lot Size	9 acres (392,040 sqft)
Owner	2 Individual Names on Record
Last Sale	$215,000 (Dec 2014)
Tax Bill	$4,956 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-10-2-13-4005-000`

Property Details

APN / Parcel Number

Primary APN	`08-10-2-13-4005-000`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	1 Story
Building Area	2,994 sqft Living Area
1st Floor Area	2,231 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	392,040 sqft (9 acres)
Lot Dimensions	433 ft deep x 837 ft wide
Garage Area	582 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	209 sqft
Patio Area	3,484 sqft
Total Buildings	4 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	13109 RING RD
City	SAINT CHARLES
State	MI
Zip	48655-9517
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NLY 466 FT OF E 1/2 OF SE 1/4 EXC ELY 483 FT THEREOF 9 ACRES 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	1047
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	2 Individual Names on Record
Mailing Address	13109 RING RD, SAINT CHARLES, MI 48655-9517
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage MERCANTILE BANK OF MICHIGAN
Nov 6, 2019	Deed of Trust, Mortgage · Conventional Mortgage MERCANTILE BK/MI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2014 · Amount on Record
Deed Sale	Dec 22, 2014 · Amount on Record
Prior Sale	Mar 20, 2008
Deed Document Number	201435042
Deed Book / Page	2797 / 1699
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	13109 RING RD, SAINT CHARLES, MI 48655-9517
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13109 RING RD, SAINT CHARLES, MI 48655-9517

Mortgage

Document Number	0000021026
Date	Aug 25, 2020
Instrument	2020021026

Lender

Name	MERCANTILE BANK OF MICHIGAN
Type	Bank
Address	GRAND RAPIDS, MI 49504

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2035

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	13109 RING RD, SAINT CHARLES, MI 48655-9517
Document Number	0000027919
Instrument Date	Nov 6, 2019
Transaction Type	Mortgage
Record Updated	Dec 2, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13109 RING RD ST CHARLES MI 486559517, ST CHARLES, MI 48655-9517

Mortgage

Document Number	0000027919
Date	Nov 13, 2019
Instrument	27919

Lender

Name	MERCANTILE BK/MI
Type	Bank
Address	GRAND RAPIDS, MI 49504

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 12, 2034

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		$205,400 (-4.47%)	$410,800 (-4.47%)
2025	$4,956.00 (+22.37%) Homeowner's exemption	$215,000 (+21.95%)	$430,000 (+21.95%)
2023		$176,300	$352,600
2022	$4,050.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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