13407 Ithaca Rd, Saint Charles, MI 48655 Property Records

Saginaw County property record for 13407 Ithaca Rd, Saint Charles, MI 48655

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,184 sqft · built 1973
Lot Size	12.4 acres (540,580 sqft)
Owner	2 Individual Names on Record
Last Sale	$145,000 (Jan 1998)
Tax Bill	$778 (2025)
Deeds & Mortgages	Oct 2023 Transfer Jul 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`08-10-2-12-1009-000`

Property Details

APN / Parcel Number

Primary APN	`08-10-2-12-1009-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,184 sqft Living Area
1st Floor Area	784 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Bi-Level
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	540,580 sqft (12.4 acres)
Garage Area	1,576 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	412 sqft
Patio Area	168 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	13407 ITHACA RD
City	SAINT CHARLES
State	MI
Zip	48655-9565
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT N 1/4 CORN & N SEC LINE TH ELY ON SD N LINE 949.28 FT TH S PARA TO E SEC LINE 556.22 FT TH WLY PARA TO E&W 1/4 LINE 952.97 FT TO N&S 1/4 LINE TH N ON SD 1/4 LINE 555.69 FT TO POB 12.14 ACRES SEC 12 T10N R2E
Legal Range	02E
Legal Township	10N
Legal Section	12
Jurisdiction	SAGINAW MI
Township / Civil Division	BRANT
Census Block Group	1
Census Block	1017
Census Tract	12400

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	2 Individual Names on Record
Mailing Address	13407 ITHACA RD, SAINT CHARLES, MI 48655-9565
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2023	Intrafamily Transfer, Transfer
Jul 11, 2017	Deed of Trust, Mortgage · Line of Credit MERCANTILE BK/MI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 1998 · Amount on Record
Deed Sale	Jan 27, 1998 · Amount on Record
Deed Book / Page	2042 / 1870
Last Transfer Date	Oct 17, 2014
Transfer Doc	0000029313
Record Updated	Sep 20, 2026

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAGINAW MI
Recording Date	Oct 5, 2023
Property Address	13407 ITHACA RD, SAINT CHARLES, MI 48655-9565
Document Number	0000022145
Instrument Date	Oct 5, 2023
Instrument	2023022145
Transaction Type	Transfer
Record Updated	Oct 19, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13407 ITHACA RD, SAINT CHARLES, MI 48655-9565

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13407 ITHACA RD, SAINT CHARLES, MI 48655-9565

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	13407 ITHACA RD, SAINT CHARLES, MI 48655-9565
Document Number	0000021347
Instrument Date	Jul 11, 2017
Transaction Type	Mortgage
Record Updated	Jul 26, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	13407 ITHACA RD ST CHARLES MI 486559565, ST CHARLES, MI 48655-9565

Mortgage

Document Number	0000021347
Date	Jul 20, 2017
Instrument	21347

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

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		$121,300 (+24.67%)	$242,600 (+24.67%)
2025	$778.00 (-64.03%) Homeowner's exemption
2023		$97,300 (+21.02%)	$194,600 (+21.02%)
2022	$2,163.00 (+9.41%) Homeowner's exemption	$80,400	$160,800
2021	$1,977.00

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

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

May also be available: Spectrum.

Cell Coverage

5G and 4G LTE (outdoors only)

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