13181 Baumgartner Rd, Saint Charles, MI 48655 Property Records

Saginaw County property record for 13181 Baumgartner Rd, Saint Charles, MI 48655

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,880 sqft · built 1972
Lot Size	0.9 acres (39,204 sqft)
Owner	2 Individual Names on Record
Last Sale	$277,500 (Aug 2023)
Tax Bill	$169 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Jun 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-11-2-36-1005-000`

Property Details

APN / Parcel Number

Primary APN	`15-11-2-36-1005-000`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,880 sqft Living Area
1st Floor Area	1,920 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Exterior Material	Wood Siding
Foundation Type	No Foundation
Lot Area	39,204 sqft (0.9 acres)

Exterior Amenities

Porch	Covered Porch
Porch Area	384 sqft
Deck Area	Deck Area
Patio Area	422 sqft
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	13181 BAUMGARTNER RD
City	SAINT CHARLES
State	MI
Zip	48655-9679
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 200 FT OF W 624 FT OF N 208 FT OF NE 1/4 OF NE 1/4 0.90 ACRE SEC 36 T11N R2E
Legal Range	02E
Legal Township	11N
Legal Section	36
Jurisdiction	SAGINAW MI
Township / Civil Division	FREMONT
Census Block Group	2
Census Block	2050
Census Tract	12300

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	1690 5TH AVE, C6, OKEMOS, MI 48864-1177
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2023	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jun 16, 2022	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Dec 15, 2017	Deed of Trust, Mortgage · Stand-Alone Refinance JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2023 · Amount on Record
Deed Sale	Aug 18, 2023 · Amount on Record
Prior Sale	Jul 29, 2004 · Amount on Record
Deed Document Number	202318517
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Aug 18, 2023
Property Address	13181 BAUMGARTNER RD, SAINT CHARLES, MI 48655-9679
Document Number	0000018517
Instrument Date	Aug 9, 2023
Instrument	2023018517
Transaction Type	Transfer
Record Updated	Sep 5, 2023
Title Company	CROSSROADS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,081.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13181 BAUMGARTNER RD, SAINT CHARLES, MI 48655-9679

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1690 5TH AVE APT C6, C6, OKEMOS, MI 48864-1177

Mortgage

Document Number	0000018135
Date	Aug 14, 2023
Instrument	2023018135

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	13181 BAUMGARTNER RD, SAINT CHARLES, MI 48655-9679
Transaction Type	Mortgage
Record Updated	Jun 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13181 BAUMGARTNER RD, SAINT CHARLES, MI 48655-9679

Mortgage

Document Number	0000017717
Date	Jun 16, 2022
Instrument	2022017717

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	13181 BAUMGARTNER RD, SAINT CHARLES, MI 48655-9679
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033198
Date	Dec 15, 2017
Instrument	2017033198

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	337 Months
Due	Jan 1, 2046

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$107,000 (+20.5%)	$214,000 (+20.5%)
2025	$169.00 (-95.41%) Homeowner's exemption
2024	$3,684.00 (+50.55%)
2023		$88,800 (+3.26%)	$177,600 (+3.26%)
2022	$2,447.00 (+9.53%) Homeowner's exemption	$86,000	$172,000
2021	$2,234.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LakeNet Fiber	1,000 / 500
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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