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1394 Ruby Ann Dr, Saginaw, MI 48601 Property Records

Saginaw County property record for 1394 Ruby Ann Dr, Saginaw, MI 48601 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 984 sqft · built 1959
Lot Size0.229 acres (9,975 sqft)
OwnerIndividual Name on File
Last Sale$119,000 (Aug 2022)
Tax Bill$448 (2025)
Deeds & MortgagesAug 2022 Sale & Mortgage
Feb 2019 Mortgage
Flood ZoneZone X (minimal risk)
APN25-11-4-24-4124-000

Property Details

APN / Parcel Number

Primary APN25-11-4-24-4124-000

Interior

Full Baths1 Bath
Stories1 Story
Building Area984 sqft Living Area
1st Floor Area984 sqft

Exterior

Year BuiltBuilt 1959
Effective Year BuiltEffective 1959
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
PorchPorch
Porch Area20 sqft

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Street Address1394 RUBY ANN DR
CitySAGINAW
StateMI
Zip48601-9761
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 24 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 Number24
Legal Unit24
JurisdictionSAGINAW MI
Township / Civil DivisionSPAULDING
Census Block Group2
Census Block2000
Census Tract11800

Owner

Source: Saginaw County records · APN 25-11-4-24-4124-000

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 RecordIndividual Name on File
Mailing Address1394 RUBY ANN DR, SAGINAW, MI 48601-9761
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 03, 2022Warranty Deed, Transfer · Conventional Mortgage
LEGEND LENDING CORP
Feb 15, 2019Deed of Trust, Mortgage · Conventional with PMI
WANIGAS CU

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 03, 2022 · Amount on Record
Deed SaleAug 03, 2022 · Amount on Record
Prior SaleJul 03, 2007
Deed Document Number202221134
Record UpdatedSep 20, 2026

August 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSAGINAW MI
Recording DateAug 03, 2022
Property Address1394 RUBY ANN DR, SAGINAW, MI 48601-9761
Document Number0000021134
Map ReferenceLB 9 PG 39
Instrument DateJul 22, 2022
Instrument2022021134
Transaction TypeTransfer
Record UpdatedAug 15, 2022
Title CompanyMASON BURGESS TITLE AGENCY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$892.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1394 RUBY ANN DR, 1394, SAGINAW, MI 48601-9761

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address1532 ALTA VISTA DR, OWOSSO, MI 48867-1402

Mortgage

Document Number0000021135
DateAug 03, 2022
Instrument2022021135
Lender
NameLEGEND LENDING CORP
TypeMortgage Company
AddressHOUSTON, TX 77058
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 01, 2052

February 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAGINAW MI
Property Address1394 RUBY ANN DR, SAGINAW, MI 48601-9761
Document Number0000003416
Instrument DateFeb 15, 2019
Transaction TypeMortgage
Record UpdatedMar 01, 2019
Title CompanyMID-STATE TITLE SERVICES INC, MID-STATE TITLE SVCS INC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address1394 RUBY ANN DR SAGINAW MI 486019761, SAGINAW, MI 48601-9761

Mortgage

Document Number0000003416
DateFeb 21, 2019
Instrument3416
Lender
NameWANIGAS CU
AddressSAGINAW, MI 48603
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueFeb 20, 2049

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$46,400 (+22.75%)$92,800 (+22.75%)
2025$448.00 (-60.35%) Homeowner's exemption
2023$37,800$75,600
2022$1,130.00

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
38 of 42 on primary residences
Nearby Flood Claims24 (1980–2026)
Claims Outside the SFHA7 of 24
Most Recent ClaimApr 2026, rainfall accumulation, Severe Storms, Tornadoes, And Flooding
Flood Events
  • 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.

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