15581 Stuart Rd, Chesaning, MI 48616 Property Records

Saginaw County property record for 15581 Stuart Rd, Chesaning, MI 48616

Property Summary

Property Type	Residential Vacant Land
Lot Size	4.51 acres (196,456 sqft)
Owner	Individual Name on Record
Last Sale	$35,000 (Jan 2024)
Tax Bill	$204 (2025)
Deeds & Mortgages	Jan 2024 Sale Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-09-3-11-3007-000`

Property Details

APN / Parcel Number

Primary APN	`13-09-3-11-3007-000`

Exterior

Architectural Style	Multi-Family
Lot Area	196,456 sqft (4.51 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	15581 STUART RD
City	CHESANING
State	MI
Zip	48616-9486
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	A-2
Legal Description	COM ON THE E & W 1/4 LINE AT A PT 313FT EAST OF W 1/4 COR SEC 11 TH E 79.78FT TO C/L BEAR CREEK DRAIN TH S ON SD C/L 898.20FT TH S42DEGW 391.67FT TO W SEC LINE TH N 745.17FT TH E 208.7FT TH N 208.7FT TH E 104.03FT TH N 20 8.7FT TO POB ALSO COM ON THE
Legal Range	03E
Legal Township	09N
Legal Section	11
Jurisdiction	SAGINAW MI
Township / Civil Division	CHESANING
Census Block Group	4
Census Block	4005
Census Tract	12700

Owner

Source: Saginaw County records, as of July 20, 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	1221 HERMAN ST, OWOSSO, MI 48867-4130
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2024	Warranty Deed, Transfer NOT AVAILABLE, SAGINAWDIVERSIFIED NATL TTL
Aug 25, 2022	Warranty Deed, Transfer · Conventional Mortgage THE STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 4, 2024 · Amount on Record
Deed Sale	Jan 4, 2024 · Amount on Record
Prior Sale	Aug 25, 2022 · Amount on Record
Prior Transfer Date	Sep 29, 2008
Prior Transfer Doc	0000030295
Record Updated	Sep 20, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Jan 4, 2024
Property Address	15000 STUART RD, CHESANING, MI 48616-9486
Document Number	0000000347
Instrument Date	Jan 3, 2024
Instrument	2024000347
Transaction Type	Transfer
Record Updated	Jan 19, 2024
Title Company	NOT AVAILABLE, SAGINAWDIVERSIFIED NATL TTL

Transaction

Amount	Amount Recorded
Tax	$262.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	622 LOCKWOOD ST, CHESANING, MI 48616-1343

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1221 HERMAN ST, OWOSSO, MI 48867-4130

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Aug 25, 2022
Property Address	15000 STUART RD, CHESANING, MI 48616-9486
Document Number	0000023037
Instrument Date	Aug 22, 2022
Instrument	2022023037
Transaction Type	Transfer
Record Updated	Dec 4, 2023
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$247.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	846 W BELLE AVE, SAINT CHARLES, MI 48655-1616

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	622 LOCKWOOD ST, CHESANING, MI 48616-1343

Mortgage

Document Number	0000023038
Date	Aug 25, 2022
Instrument	2022023038

Lender

Name	THE STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Sep 1, 2032

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Sep 6, 2027
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6%
Index	1-Year CMT
Max Rate	10%

Tax Assessment & Valuation

Source: Saginaw County assessment roll, as of September 9, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$26,100 (+40.32%)	$52,200 (+40.32%)
2025	$204.00 (-65.01%)	$18,600 (+10.06%)	$37,200 (+10.06%)
2023		$16,900	$33,800
2022	$583.00

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 · 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
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

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

Wildfire Risk	Low lower than 93% of the US · lower than 83% 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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Stuart Rd

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