Saginaw County property record for 1451 Ruby Ann Dr, Saginaw, MI 48601
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 924 sqft · built 1962 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | Individual Name on File |
| Last Sale | $55,000 (May 2016) |
| Tax Bill | $1,133 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-11-4-24-4102-000 |
| Primary APN | 25-11-4-24-4102-000 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 924 sqft Living Area |
| 1st Floor Area | 924 sqft |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Exterior Material | Wood Siding |
| Foundation Type | No Foundation |
| Lot Area | 9,583 sqft (0.22 acres) |
| Lot Dimensions | 128 ft deep x 75 ft wide |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 96 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 1451 RUBY ANN DR |
|---|---|
| City | SAGINAW |
| State | MI |
| Zip | 48601-9762 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 2 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 | 2 |
| Legal Unit | 2 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | SPAULDING |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 11800 |
1451 Ruby Ann Dr is owned and occupied by an individual who bought it in May 2016.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1451 RUBY ANN DR, SAGINAW, MI 48601-9762 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 12, 2016 · Amount on File |
| Deed Sale | May 12, 2016 · Amount on File |
| Prior Sale | Dec 12, 2014 · Amount on File |
| Deed Document Number | 201614702 |
| Deed Book / Page | 2857 / 1113 |
| Prior Transfer Date | Aug 19, 2013 |
| Prior Transfer Doc | 0000028335 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 1451 RUBY ANN DR, SAGINAW, MI 48601-9762 |
| Transaction Type | Mortgage |
| Record Updated | Mar 14, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 1451 RUBY ANN DR, SAGINAW, MI 48601-9762 |
| Document Number | 0000005242 |
|---|---|
| Date | Mar 3, 2022 |
| Instrument | 2022005242 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Mar 1, 2052 |
The 2025 property tax bill for 1451 Ruby Ann Dr was $1,133 with a homeowner's exemption.
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | Spaulding Township |
| Unified School District | Bridgeport-Spaulding Community School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $44,300 | $88,600 | |
| 2025 | $1,133.00 Homeowner's exemption | ||
| 2023 | $36,100 | $72,200 | |
| 2022 | $1,140.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1451 Ruby Ann Dr in Zone X, an area of minimal flood risk, though there have been 24 flood claims nearby since 1980.
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 File 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 |
|
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 risk around 1451 Ruby Ann Dr is low, with a 0.01% annual chance of 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.
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 |
| 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.
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.
5G (outdoors only) and 4G LTE
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