1351 Ruby Ann Dr, Saginaw, MI 48601 Property Records

Saginaw County property record for 1351 Ruby Ann Dr, Saginaw, MI 48601

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 816 sqft · built 1960
Lot Size	0.235 acres (10,237 sqft)
Owner	Individual Name on File
Last Sale	$70,500 (Jun 2018)
Tax Bill	$375 (2025)
Deeds & Mortgages	Jun 2018 Sale & Mortgage Mar 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-11-4-24-4108-000`

Property Details

APN / Parcel Number

Primary APN	`25-11-4-24-4108-000`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	816 sqft Living Area
1st Floor Area	816 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Wood Siding
Foundation Type	No Foundation
Lot Area	10,237 sqft (0.235 acres)
Lot Dimensions	128 ft deep x 80 ft wide
Garage Area	384 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	176 sqft
Deck Area	Deck Area
Patio Area	405 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1351 RUBY ANN DR
City	SAGINAW
State	MI
Zip	48601-9761
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 SPARLING SUBDIVISION NO 1 A PART OF THE NW 1/4 OF SE 1/4 SEC 24 T11N R4E
Legal Range	04E
Legal Township	11N
Legal Section	24
Legal Subdivision	SPARLING SUBDIVISION
Legal Lot Number	8
Legal Unit	8
Jurisdiction	SAGINAW MI
Township / Civil Division	SPAULDING
Census Block Group	2
Census Block	2000
Census Tract	11800

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	1351 RUBY ANN DR, SAGINAW, MI 48601-9761
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2018	Warranty Deed, Transfer FRANKENMUTH CU
Mar 8, 2018	Deed of Trust, Mortgage DOW CHEMICAL EMPS CU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 29, 2018 · Amount on Record
Deed Sale	Jun 29, 2018 · Amount on Record
Prior Sale	Dec 19, 2006 · Amount on Record
Deed Document Number	201818336
Record Updated	Sep 20, 2026

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Jun 29, 2018
Property Address	1351 RUBY ANN DR, SAGINAW, MI 48601-9761
Document Number	0000018336
Instrument Date	Jun 26, 2018
Instrument	18336
Transaction Type	Transfer
Record Updated	Jul 19, 2018
Title Company	OTHER

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$70.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6201 FOX GLEN DR #279 SAGINAW MI 486384356, 279, SAGINAW, MI 48638-4356

Mortgage

Document Number	18337
Date	Jun 29, 2018
Instrument	18337

Lender

Name	FRANKENMUTH CU
Type	Credit Union
Address	FRANKENMUTH, MI 48734

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 28, 2048

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	1351 RUBY ANN DR, SAGINAW, MI 48601-9761
Document Number	0000005789
Instrument Date	Mar 8, 2018
Transaction Type	Mortgage
Record Updated	Mar 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1351 RUBY ANN DR SAGINAW MI 486019761, SAGINAW, MI 48601-9761

Mortgage

Document Number	0000005789
Date	Mar 15, 2018
Instrument	5789

Lender

Name	DOW CHEMICAL EMPS CU
Type	Credit Union
Address	MIDLAND, MI 48641-1649

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Mar 14, 2033

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	Spaulding Township
Unified School District	Bridgeport-Spaulding Community School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$48,800 (+22.61%)	$97,600 (+22.61%)
2025	$375.00 (-71.11%) Homeowner's exemption
2023		$39,800	$79,600
2022	$1,298.00

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
Flood Insurance Cost	Premium on Record median of 42 policies
Nearby Flood Policies	42 in force
Nearby Flood Claims	24 (1980–2026)
Claims Outside the SFHA	7 of 24
Most Recent Claim	Apr 2026 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms & Flooding, Sep 1986 · 4 claims

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 at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SPAULDING TOWNSHIP serves 2,153 people · EPA ID MI0006210
Water Source	Purchased surface water from CITY OF SAGINAW
Last State Inspection	Oct 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 68 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile USA.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ruby Ann Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures