1550 Delta Dr, Saginaw, MI 48638 Property Records

Saginaw County property record for 1550 Delta Dr, Saginaw, MI 48638

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,241 sqft · built 1975
Lot Size	0.321 acres (13,983 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (Dec 2021)
Tax Bill	$4,274 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-12-4-21-2433-000`

Property Details

APN / Parcel Number

Primary APN	`23-12-4-21-2433-000`
Alternative APN	`124212433000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,241 sqft Living Area
1st Floor Area	1,341 sqft
Basement Area	1,341 sqft
Finished Basement	1,341 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Combination
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,983 sqft (0.321 acres)
Lot Dimensions	140 ft deep x 100 ft wide
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	33 sqft
Deck Area	Deck Area
Patio Area	561 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1550 DELTA DR
City	SAGINAW
State	MI
Zip	48638-4612
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 13 & W 10 FT OF LOT 12 WOODLAND PLAT A PART OF NW1/4 SEC 21 T12N R4E
Legal Range	04E
Legal Township	12N
Legal Section	21
Legal Subdivision	WOODLAND
Legal Lot Number	12-13
Jurisdiction	SAGINAW MI
Township / Civil Division	SAGINAW
Census Block Group	4
Census Block	4019
Census Tract	10402

Owner

1550 Delta Dr is owned and occupied by an individual who bought it in December 2021.

Source: Saginaw County records, as of August 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	1550 DELTA DR, SAGINAW, MI 48638-4612
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2021	Warranty Deed, Transfer · Conventional Mortgage DOW CHEMICAL EMPLOYEES CU
Jul 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED FINANCIAL CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 9, 2021 · Amount on File
Deed Sale	Dec 9, 2021 · Amount on File
Deed Document Number	202138835
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Dec 9, 2021
Property Address	1550 DELTA DR, SAGINAW, MI 48638-4612
Document Number	0000038835
Map Reference	LB 8 PG 16
Instrument Date	Dec 7, 2021
Instrument	2021038835
Transaction Type	Transfer
Record Updated	Dec 20, 2021
Title Company	SAGINAW BAY AREA TITLE AGENCY, SAGINAW BAY AREA TITLE AGCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,425.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1550 DELTA DR, 1550, SAGINAW, MI 48638-4612

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1550 DELTA DR # 157, 157, SAGINAW, MI 48638-4612

Mortgage

Document Number	0000038836
Date	Dec 9, 2021
Instrument	2021038836

Lender

Name	DOW CHEMICAL EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	1550 DELTA DR, SAGINAW, MI 48638-4612
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018387
Date	Jul 24, 2020
Instrument	2020018387

Lender

Name	UNITED FINANCIAL CU
Type	Credit Union
Address	SAGINAW, MI 48603

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 1550 Delta Dr was $4,274 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	Saginaw Charter Township
Unified School District	Saginaw Township Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$124,900	$249,800
2025	$4,274.00 Homeowner's exemption
2023		$105,800	$211,600
2022	$3,582.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1550 Delta Dr in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force

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

The area around 1550 Delta Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF SAGINAW serves 44,058 people · EPA ID MI0005850
Water Source	Purchased surface water from SAGINAW-MIDLAND WATER SUPPLY
Last State Inspection	Feb 2024
Lead	9 ppb (2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 411 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
AT&T DSL	100 / 20

May also be available: T-Mobile.

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