16550 S Fenmore Rd, Bannister, MI 48807 Property Records

Saginaw County property record for 16550 S Fenmore Rd, Bannister, MI 48807

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,701 sqft · built 2004
Lot Size	12 acres (523,156 sqft)
Owner	2 Individual Names on File
Last Sale	$20,000 (May 2002)
Tax Bill	$2,653 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`12-09-1-16-4001-002`

Property Details

APN / Parcel Number

Primary APN	`12-09-1-16-4001-002`

Interior

Full Baths	2 Baths
Building Area	1,701 sqft Living Area
1st Floor Area	1,691 sqft
Basement Area	1,691 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Raised Ranch
Lot Area	523,156 sqft (12 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	16550 S FENMORE RD
City	BANNISTER
State	MI
Zip	48807-9334
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT E 1/4 CORN OF SEC 16 TH S 951.48 FT TO POB TH CONT S 183.42 FT TH W 1321.17 FT TH N 647.47 FT TH E 157.04 FT TH S62DEG
Legal Range	01E
Legal Township	09N
Legal Section	16
Jurisdiction	SAGINAW MI
Township / Civil Division	CHAPIN
Census Block Group	2
Census Block	2036
Census Tract	12500

Owner

16550 S Fenmore Rd is owned and occupied by two individuals who bought it in May 2002.

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

Owner of Record	2 Individual Names on File
Mailing Address	16550 S FENMORE RD, BANNISTER, MI 48807-9334
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 27, 2023	Deed of Trust, Mortgage · Line of Credit WILDFIRE CU
Jan 5, 2022	Deed of Trust, Mortgage ROCKET MORTGAGE LLC
Sep 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Mar 7, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2002 · Amount on File
Deed Sale	May 17, 2002 · Amount on File
Deed Book / Page	2225 / 664
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	16550 S FENMORE RD, BANNISTER, MI 48807-9334
Transaction Type	Mortgage
Record Updated	Jul 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16550 S FENMORE RD, BANNISTER, MI 48807-9334

Mortgage

Document Number	0000015128
Date	Jun 27, 2023
Instrument	2023015128

Lender

Name	WILDFIRE CU
Type	Credit Union
Address	SAGINAW, MI 48605

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jun 22, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	16550 S FENMORE RD, BANNISTER, MI 48807-9334
Transaction Type	Mortgage
Record Updated	Jan 21, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16550 S FENMORE RD, BANNISTER, MI 48807-9334

Mortgage

Document Number	0000000484
Date	Jan 5, 2022
Instrument	2022000484

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	16550 S FENMORE RD, BANNISTER, MI 48807-9334
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16550 S FENMORE RD, BANNISTER, MI 48807-9334

Mortgage

Document Number	0000021980
Date	Sep 2, 2020
Instrument	2020021980

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	16550 S FENMORE RD, BANNISTER, MI 48807-9334
Document Number	0000004982
Instrument Date	Mar 7, 2019
Transaction Type	Mortgage
Record Updated	Mar 29, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	16550 S FENMORE RD BANNISTER MI 488079334, BANNISTER, MI 48807-9334

Mortgage

Document Number	0000004982
Date	Mar 13, 2019
Instrument	4982

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 12, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 16550 S Fenmore Rd was $2,653 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	Chapin Township
Unified School District	Ovid-Elsie Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$146,500	$293,000
2025	$2,653.00 Homeowner's exemption
2023		$131,100	$262,200
2022	$2,310.00

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

Flood

FEMA maps place 16550 S Fenmore 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 16550 S Fenmore 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 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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Westphalia Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on S Fenmore Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures