13792 Beaver Rd, Saint Charles, MI 48655 Property Records

Saginaw County property record for 13792 Beaver Rd, Saint Charles, MI 48655

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,152 sqft · built 1976
Lot Size	3.95 acres (172,062 sqft)
Owner	2 Individual Names on Record
Last Sale	$153,900 (Aug 2007)
Tax Bill	$2,560 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-11-2-36-2003-000`

Property Details

APN / Parcel Number

Primary APN	`15-11-2-36-2003-000`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,152 sqft Living Area
1st Floor Area	1,152 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Raised Ranch
Exterior Material	Wood Siding
Foundation Type	No Foundation
Lot Area	172,062 sqft (3.95 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	720 sqft
Deck Area	Deck Area
Patio Area	175 sqft
Total Buildings	6 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	13792 BEAVER RD
City	SAINT CHARLES
State	MI
Zip	48655-9680
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 1/2 OF W 1/2 OF NW 1/4 EXC COM AT THE NW COR AND RUN TH S 387.42 FT TH SE LY 330 FT TH N APPROX 563.9 FT TH W 328.64 FT TO
Legal Range	02E
Legal Township	11N
Legal Section	36
Jurisdiction	SAGINAW MI
Township / Civil Division	FREMONT
Census Block Group	2
Census Block	2049
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	13792 BEAVER RD, SAINT CHARLES, MI 48655-9680
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2024	Deed of Trust, Mortgage · Line of Credit HEALTH ADVANTAGE FEDERAL CREDIT UNION
Dec 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE 1 INC MORTGAGE 1 INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2007 · Amount on Record
Deed Sale	Aug 31, 2007 · Amount on Record
Prior Sale	Aug 25, 2004 · Amount on Record
Deed Book / Page	2459 / 1480
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	13792 BEAVER RD, SAINT CHARLES, MI 48655-9680
Transaction Type	Mortgage
Record Updated	Apr 3, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13792 BEAVER RD, SAINT CHARLES, MI 48655-9680

Mortgage

Document Number	0000004815
Date	Mar 15, 2024
Instrument	2024004815

Lender

Name	HEALTH ADVANTAGE FEDERAL CREDIT UNION
Address	PO BOX 6160, SAGINAW, MI 48608

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 14, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	13792 BEAVER RD, SAINT CHARLES, MI 48655-9680
Document Number	0000032012
Instrument Date	Dec 9, 2020
Transaction Type	Mortgage
Record Updated	Jan 4, 2021
Title Company	ATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13792 BEAVER RD ST CHARLES MI 486559680, ST CHARLES, MI 48655-9680

Mortgage

Document Number	0000032012
Date	Dec 16, 2020
Instrument	32012

Lender

Name	MORTGAGE 1 INC MORTGAGE 1 INC
Type	Bank
Address	STERLING HEIGHTS, MI 48314

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 15, 2035

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		$105,000 (+23.82%)	$210,000 (+23.82%)
2025	$2,560.00 (+23.37%) Homeowner's exemption
2023		$84,800	$169,600
2022	$2,075.00

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	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 11 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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