15794 Ithaca Rd, Saint Charles, MI 48655 Property Records

Saginaw County property record for 15794 Ithaca Rd, Saint Charles, MI 48655

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,056 sqft · built 1977
Lot Size	2.01 acres (87,948 sqft)
Owner	2 Individual Names on Record
Last Sale	$75,000 (Nov 2025)
Tax Bill	$450 (2025)
Deeds & Mortgages	Dec 2025 Second Mortgage Nov 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-10-2-03-3004-001`

Property Details

APN / Parcel Number

Primary APN	`08-10-2-03-3004-001`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,056 sqft Living Area
1st Floor Area	1,056 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Wood Siding
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	87,948 sqft (2.01 acres)
Lot Dimensions	407 ft deep x 200 ft wide
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	60 sqft
Deck Area	Deck Area
Patio Area	292 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	15794 ITHACA RD
City	SAINT CHARLES
State	MI
Zip	48655-9743
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 440 FT OF W 200 FT OF E 430 FT OF SW 1/4 OF SW 1/4 2.02 ACRES SEC 2 T10N R2E
Legal Range	02E
Legal Township	10N
Legal Section	02
Jurisdiction	SAGINAW MI
Township / Civil Division	BRANT
Census Block Group	1
Census Block	1015
Census Tract	12400

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	2 Individual Names on Record
Mailing Address	15794 ITHACA RD, SAINT CHARLES, MI 48655-9743
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MORTGAGE 1 INC
Nov 25, 2025	Warranty Deed, Transfer · FHA Mortgage MORTGAGE 1 INC
Sep 11, 2019	Quit Claim Deed, Mortgage · Line of Credit HUNTINGTON NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 25, 2025 · Amount on Record
Deed Sale	Nov 25, 2025 · Amount on Record
Prior Sale	Oct 11, 2010 · Amount on Record
Deed Document Number	202527529
Prior Transfer Date	Dec 28, 2011
Prior Transfer Doc	0000035691
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	15794 ITHACA RD, SAINT CHARLES, MI 48655-9743
Transaction Type	Mortgage
Record Updated	Dec 22, 2025
Title Company	ATA NATIONAL TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15794 ITHACA RD, SAINT CHARLES, MI 48655-9743

Mortgage

Document Number	0000028510
Date	Dec 10, 2025
Instrument	2025028510

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company
Address	43456 MOUND RD, STERLING HEIGHTS, MI 48314

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 1, 2035

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Nov 25, 2025
Property Address	15794 ITHACA RD, SAINT CHARLES, MI 48655-9743
Document Number	0000027529
Instrument Date	Nov 21, 2025
Instrument	2025027529
Transaction Type	Transfer
Record Updated	Dec 5, 2025
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$562.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	621 W CLARENCE RD, HARRISON, MI 48625-9511

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	15794 ITHACA RD, SAINT CHARLES, MI 48655-9743

Mortgage

Document Number	0000027530
Date	Nov 25, 2025
Instrument	2025027530

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

September 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	SAGINAW MI
Recording Date	Sep 11, 2019
Property Address	15794 ITHACA RD, SAINT CHARLES, MI 48655-9743
Document Number	0000022740
Instrument Date	Sep 11, 2019
Instrument	22740
Transaction Type	Mortgage
Record Updated	Nov 5, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	15794 ITHACA RD ST CHARLES MI 486559743, ST CHARLES, MI 48655-9743

Mortgage

Document Number	25672
Date	Sep 11, 2019
Instrument	25672

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 10, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	Brant Township
Unified School District	St. Charles Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$60,500 (+13.72%)	$121,000 (+13.72%)
2025	$450.00 (-69.68%) Homeowner's exemption	$53,200	$106,400
2024	$1,484.00 (+1,015.79%)
2022	$133.00

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 · 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	5 in force
Nearby Flood Claims	3 (2008–2021)
Most Recent Claim	Jun 2021 · rainfall accumulation

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 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.

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)
LakeNet Fiber	1,000 / 500

Cell Coverage

5G (outdoors only) and 4G LTE

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