15568 W Ridge Rd, Oakley, MI 48649 Property Records

Saginaw County property record for 15568 W Ridge Rd, Oakley, MI 48649

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,142 sqft · built 2005
Lot Size	2.49 acres (108,464 sqft)
Owner	2 Individual Names on Record
Last Sale	$339,400 (Jan 2025)
Tax Bill	$4,731 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jul 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-09-2-27-3001-002`

Property Details

APN / Parcel Number

Primary APN	`07-09-2-27-3001-002`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,142 sqft Living Area
1st Floor Area	1,194 sqft
Basement Area	1,194 sqft
Unfinished Basement	1,194 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Wood Siding
Roof Material	Asphalt
Lot Area	108,464 sqft (2.49 acres)
Garage Area	1,488 sqft
Parking Spaces	5 Parking Spaces
Porch	Porch
Porch Area	282 sqft
Patio Area	390 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	15568 W RIDGE RD
City	OAKLEY
State	MI
Zip	48649-8732
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-R
Legal Description	BEG AT A PT 236 FT W FROM S 1/4 CORN OF SEC 27 TH CONT W 177.26 FT TH N 280 FT TH W 250 FT TH N 137.67 FT TH E 427.33 FT TH S
Legal Range	02E
Legal Township	09N
Legal Section	27
Legal Subdivision	PT OF E2 OF E2 OF SW4 OF S27T9NR2E
Jurisdiction	SAGINAW MI
Township / Civil Division	BRADY
Census Block Group	3
Census Block	3048
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	2 Individual Names on Record
Mailing Address	15568 W RIDGE RD, OAKLEY, MI 48649-8732
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2020	Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS
Jul 15, 2019	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
Apr 26, 2017	Deed of Trust, Mortgage · Line of Credit MERCANTILE BK/MI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 28, 2025 · Amount on Record
Deed Sale	Jan 28, 2025 · Amount on Record
Prior Sale	Jul 15, 2019 · Amount on Record
Deed Document Number	20251558
Prior Transfer Date	Jul 1, 2005
Prior Transfer Doc	0000106045
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	15568 W RIDGE RD, OAKLEY, MI 48649-8732
Document Number	0000017281
Instrument Date	Jul 6, 2020
Transaction Type	Mortgage
Record Updated	Aug 13, 2020
Title Company	FIDELITY NATIONAL TITLE-OR, FIDELITY NAT'L TITLE-OR

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15568 W RIDGE RD OAKLEY MI 486498732, OAKLEY, MI 48649-8732

Mortgage

Document Number	0000017281
Date	Jul 10, 2020
Instrument	17281

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 9, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Jul 15, 2019
Property Address	15568 W RIDGE RD, OAKLEY, MI 48649-8732
Document Number	0000018109
Instrument Date	Jul 11, 2019
Instrument	18109
Transaction Type	Transfer
Record Updated	Aug 7, 2019
Title Company	CISLO TITLE, CISLO TITLE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$238.32
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4418 PEBBLE CREEK BLVD GRAND BLANC MI 484399068, GRAND BLANC, MI 48439-9068

Mortgage

Document Number	18110
Date	Jul 15, 2019
Instrument	18110

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 14, 2049

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	15568 W RIDGE RD, OAKLEY, MI 48649-8732
Document Number	0000014930
Instrument Date	Apr 26, 2017
Transaction Type	Mortgage
Record Updated	May 24, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	15568 W RIDGE RD OAKLEY MI 486498732, OAKLEY, MI 48649-8732

Mortgage

Document Number	0000014930
Date	May 4, 2017
Instrument	14930

Lender

Name	MERCANTILE BK/MI
Type	Bank
Address	GRAND RAPIDS, MI 49504

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$170,800 (+1.43%)	$341,600 (+1.43%)
2025	$4,731.00 (+16.56%) Homeowner's exemption	$168,400 (+28.94%)	$336,800 (+28.94%)
2023		$130,600	$261,200
2022	$4,059.00

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.

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 95% of the US · lower than 89% of Michigan
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Westphalia Broadband Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Point Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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