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1378 Ruby Ann Dr, Saginaw, MI 48601 Property Records

Saginaw County property record for 1378 Ruby Ann Dr, Saginaw, MI 48601 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 816 sqft · built 1950
Lot Size0.229 acres (9,975 sqft)
Owner2 Individual Names on File
Last Sale$117,500 (Jul 2024)
Tax Bill$513 (2025)
Deeds & MortgagesJul 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN25-11-4-24-4123-000

Property Details

APN / Parcel Number

Primary APN25-11-4-24-4123-000

Interior

Full Baths1 Bath
Stories1 Story
Building Area816 sqft Living Area
1st Floor Area816 sqft

Exterior

Year BuiltBuilt 1950
Effective Year BuiltEffective 1950
Exterior MaterialWood Siding
Foundation TypeNo Foundation
Lot Area9,975 sqft (0.229 acres)
Lot Dimensions133 ft deep x 75 ft wide
Garage Area384 sqft
Parking Spaces1 Parking Space
Deck AreaDeck Area
Patio Area96 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Street Address1378 RUBY ANN DR
CitySAGINAW
StateMI
Zip48601-9761
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 23 SPARLING SUBDIVISION NO.1 A PART OF THE NW 1/4 OF SE 1/4 SEC 24 T11N R4E
Legal Range04E
Legal Township11N
Legal Section24
Legal SubdivisionSPARLING SUBDIVISION
Legal Lot Number23
Legal Unit23
JurisdictionSAGINAW MI
Township / Civil DivisionSPAULDING
Census Block Group2
Census Block2000
Census Tract11800

Owner

Source: Saginaw County records · APN 25-11-4-24-4123-000

Assessment roll updated September 9, 2025 · Last verified July 2026

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

Owner of Record2 Individual Names on File
Mailing Address1378 RUBY ANN DR, SAGINAW, MI 48601-9761
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 31, 2024 · Amount on Record
Deed SaleJul 31, 2024 · Amount on Record
Prior SaleJul 14, 2021 · Amount on Record
Deed Document Number202417706
Record UpdatedSep 20, 2026

July 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSAGINAW MI
Recording DateJul 14, 2021
Property Address1378 RUBY ANN DR, SAGINAW, MI 48601-9761
Document Number2021024172
Map ReferenceLB9 PG 39
Instrument DateJul 07, 2021
Instrument2021024172
Transaction TypeTransfer
Record UpdatedJul 28, 2021
Title CompanyCRISLO TITLE COMPANY, CISLO TITLE CO

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$772.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1378 RUBY ANN DR, 1378, SAGINAW, MI 48601-9761

Transferred To (Grantee/Buyer)

NameVerified Name
Address2488 TOWNLINE RD, BIRCH RUN, MI 48415-8900

Mortgage

Document Number2021024173
DateJul 14, 2021
Instrument2021024173
Lender
NameENVOY MORTGAGE LTD
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2051

Tax Assessment & Valuation

Source: Saginaw County records · Assessment roll updated September 9, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateMichigan
CountySaginaw County
County SubdivisionSpaulding Township
Unified School DistrictBridgeport-Spaulding Community School District (KG - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2026$44,400 (+22.31%)$88,800 (+22.31%)
2025$513.00 (-58.53%) Homeowner's exemption
2023$36,300$72,600
2022$1,237.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Saginaw County (26145C), updated March 29, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261450118002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 42 individual NFIP policies nearby
Nearby Flood Policies42 in force
Nearby Flood Claims24 (1980–2026)
Claims Outside the SFHA7 of 24
Most Recent ClaimApr 2026, rainfall accumulation, Severe Storms, Tornadoes, And Flooding
Claims By Storm
  • Severe Storms & Flooding, Sep 1986 · 4 claims

Wildfire

Wildfire RiskLow
above 20% of the US · above 52% of Michigan
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 68 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 35
AT&TFixed Wireless100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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