16501 Gary Rd, Chesaning, MI 48616 Property Records

Saginaw County property record for 16501 Gary Rd, Chesaning, MI 48616

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,248 sqft · built 1949
Lot Size	2.46 acres (107,158 sqft)
Owner	Individual Name on File
Last Sale	$240,000 (Apr 2026)
Tax Bill	$2,301 (2025)
Deeds & Mortgages	Aug 2024 Reverse Mortgage Apr 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-09-2-04-1005-002`

Property Details

APN / Parcel Number

Primary APN	`07-09-2-04-1005-002`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,248 sqft Living Area
1st Floor Area	1,248 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Exterior Material	Wood Siding
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	107,158 sqft (2.46 acres)
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	89 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	16501 GARY RD
City	CHESANING
State	MI
Zip	48616-9541
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-R
Legal Description	BEG AT A PT 143.5 FT W OF N 1/4 CORN OF SEC TH E 460.01 FT TH S 233 FT TH W 460.01 FT TH N 233 FT TO POB 2.46 ACRES SEC 4 T9N
Legal Range	02E
Legal Township	09N
Legal Section	04
Jurisdiction	SAGINAW MI
Township / Civil Division	BRADY
Census Block Group	3
Census Block	3003
Census Tract	12500

Owner

16501 Gary Rd is owned and occupied by an individual who bought it in April 2026.

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

Owner of Record	Individual Name on File
Mailing Address	14780 CORUNNA RD, CHESANING, MI 48616-9491
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

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

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2024	Deed of Trust, Mortgage · Reverse Mortgage CONSUMERS CREDIT UNION A MICHIGAN STATE
Apr 28, 2026	Warranty Deed, Transfer · Conventional Mortgage DART BANK
Jan 15, 2021	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2026 · Amount on File
Deed Sale	Apr 28, 2026 · Amount on File
Prior Sale	Jan 15, 2021 · Amount on File
Deed Document Number	202611875
Record Updated	Oct 29, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	16501 GARY RD, CHESANING, MI 48616-9541
Transaction Type	Mortgage
Record Updated	May 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16501 GARY RD, CHESANING, MI 48616-9541

Mortgage

Document Number	0000018328
Date	Aug 7, 2024
Instrument	2024018328

Lender

Name	CONSUMERS CREDIT UNION A MICHIGAN STATE
Address	7200 ELM VALLEY DR, KALAMAZOO, MI 49009

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 27, 2054

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Apr 28, 2026
Property Address	16501 GARY RD, CHESANING, MI 48616-9541
Document Number	0000011875
Instrument Date	Apr 24, 2026
Instrument	2026.11875
Transaction Type	Transfer
Record Updated	May 14, 2026
Title Company	CISLO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$181,800.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14780 CORUNNA RD, CHESANING, MI 48616-9491

Mortgage

Document Number	0000011876,
Date	Apr 28, 2026
Instrument	2026..11876

Lender

Name	DART BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Jan 15, 2021
Property Address	16501 GARY RD, CHESANING, MI 48616-9541
Document Number	0000001811
Instrument Date	Jan 11, 2021
Instrument	2021001811
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	CISLO TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$975.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	900 W HARNETT ST, 900, MASCOUTAH, IL 62258-1144

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16501 GARY RD, CHESANING, MI 48616-9541

Mortgage

Document Number	0000001812
Date	Jan 15, 2021
Instrument	2021001812

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 16501 Gary Rd was $2,301 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	Brady Township
Unified School District	Chesaning Union Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$80,000 (+0.13%)	$160,000 (+0.13%)
2025	$2,301.00 Homeowner's exemption	$79,900	$159,800
2023		$61,700	$123,400
2022	$2,053.00

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

FEMA maps place 16501 Gary Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 16501 Gary Rd is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 91% 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 6 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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