14642 W Ridge Rd, Oakley, MI 48649 Property Records

Saginaw County property record for 14642 W Ridge Rd, Oakley, MI 48649

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,344 sqft · built 1993
Lot Size	1.03 acres (44,867 sqft)
Owner	Individual Name on Record
Last Sale	$110,800 (Oct 1997)
Tax Bill	$2,388 (2025)
Deeds & Mortgages	Dec 2019 Refinance Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-09-2-26-3001-005`

Property Details

APN / Parcel Number

Primary APN	`07-09-2-26-3001-005`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	1,344 sqft Living Area
1st Floor Area	1,344 sqft
Basement Area	1,344 sqft
Unfinished Basement	1,344 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Wood Siding
Roof Material	Asphalt
Lot Area	44,867 sqft (1.03 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	170 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	14642 W RIDGE RD
City	OAKLEY
State	MI
Zip	48649-9786
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-R
Legal Description	BEG AT A PT 830 FT W FROM S 1/4 CORN TH CONT W 150 FT TH N 300 FT TH E 150 FT TH S 300 FT TO POB 1.03 ACRES SEC 26 T9N R2E
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	14642 W RIDGE RD, OAKLEY, MI 48649-9786
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Sep 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 17, 1997 · Amount on Record
Deed Sale	Oct 17, 1997 · Amount on Record
Deed Book / Page	2030 / 2165
Last Transfer Date	Dec 31, 2011
Transfer Doc	0000001552
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	14642 W RIDGE RD, OAKLEY, MI 48649-9786
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029475
Date	Dec 3, 2019
Instrument	2019029475

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	169 Months
Due	Jan 1, 2034

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	14642 W RIDGE RD, OAKLEY, MI 48649-9786
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	RET

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14642 W RIDGE RD, OAKLEY, MI 48649-9786

Mortgage

Document Number	0000023966
Date	Sep 24, 2020
Instrument	2020023966

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 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	Brady Township
Unified School District	Chesaning Union Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$90,300 (+30.68%)	$180,600 (+30.68%)
2025	$2,388.00 (+15.31%) Homeowner's exemption
2023		$69,100	$138,200
2022	$2,071.00

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

Nearby Properties on W Ridge Rd

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