14420 W Ridge Rd, Oakley, MI 48649 Property Records

Saginaw County property record for 14420 W Ridge Rd, Oakley, MI 48649

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 3,240 sqft · built 1900
Lot Size	2.08 acres (90,605 sqft)
Owner	Individual Name on Record
Tax Bill	$3,299 (2025)
Deeds & Mortgages	Sep 2018 Mortgage Oct 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-09-2-26-4002-001`

Property Details

APN / Parcel Number

Primary APN	`07-09-2-26-4002-001`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	3,240 sqft Living Area
1st Floor Area	2,160 sqft
Basement Area	852 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	90,605 sqft (2.08 acres)
Garage Area	900 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	14420 W RIDGE RD
City	OAKLEY
State	MI
Zip	48649-7706
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-R
Legal Description	BEG AT S 1/4 CORN OF SEC TH N 365 FT TH E 160 FT TH S 108 FT TH E 126 FT TH S 257 FT TH W 286 FT TO POB - 2.08 ACRES SEC 26
Legal Range	02E
Legal Township	09N
Legal Section	26
Jurisdiction	SAGINAW MI
Township / Civil Division	BRADY
Census Block Group	4
Census Block	4002
Census Tract	12500

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	Individual Name on Record
Mailing Address	14420 W RIDGE RD, OAKLEY, MI 48649-7706
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2018	Deed of Trust, Mortgage · Conventional Mortgage DOW CHEMICAL EMPS CU
Oct 2, 2018	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS
May 9, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 8, 2018
Transfer Doc	2018013897
Record Updated	Oct 29, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	14420 W RIDGE RD, OAKLEY, MI 48649-7706
Document Number	0000024717
Instrument Date	Sep 20, 2018
Transaction Type	Mortgage
Record Updated	Oct 10, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	14420 W RIDGE RD OAKLEY MI 486497706, OAKLEY, MI 48649-7706

Mortgage

Document Number	0000024717
Date	Sep 25, 2018
Instrument	24717

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 24, 2038

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Oct 2, 2018
Property Address	14420 W RIDGE RD, OAKLEY, MI 48649-7706
Document Number	0000025356
Instrument Date	Sep 18, 2018
Instrument	25356
Transaction Type	Transfer
Record Updated	Oct 22, 2018
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$171.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	311 KING ST BAY CITY MI 487063720, BAY CITY, MI 48706-3720

Mortgage

Document Number	25357
Date	Oct 2, 2018
Instrument	25357

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2048

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAGINAW MI
Recording Date	May 9, 2018
Property Address	14420 W RIDGE RD, OAKLEY, MI 48649-7706
Document Number	0000013897
Instrument Date	May 8, 2018
Instrument	13897
Transaction Type	Transfer
Record Updated	May 28, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14417 W RIDGE RD OAKLEY MI 486497706, OAKLEY, MI 48649-7706

Tax Assessment & Valuation

Source: Saginaw County assessment roll, as of August 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	Brady Township
Unified School District	Chesaning Union Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$123,100 (+0.74%)	$246,200 (+0.74%)
2025	$3,299.00 (+16.2%) Homeowner's exemption	$122,200 (+29.45%)	$244,400 (+29.45%)
2023		$94,400	$188,800
2022	$2,839.00

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
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 99.1% of the US · lower than 98.4% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Westphalia Broadband Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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