Saginaw County property record for 1787 E Packard Dr, Saginaw, MI 48638
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 2,360 sqft · built 1962 |
| Lot Size | 0.259 acres (11,282 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $158,000 (Dec 2017) |
| Tax Bill | $3,233 (2025) |
| Deeds & Mortgages | Dec 2023 Mortgage Sep 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-12-4-21-2485-000 |
| Primary APN | 23-12-4-21-2485-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,360 sqft Living Area |
| 1st Floor Area | 1,160 sqft |
| Basement Area | 1,080 sqft |
| Finished Basement | 1,080 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Exterior Material | Brick |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,282 sqft (0.259 acres) |
| Lot Dimensions | 127 ft deep x 89 ft wide |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
|---|---|
| Porch Area | 240 sqft |
| Deck Area | Deck Area |
| Patio Area | 425 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1787 E PACKARD DR |
|---|---|
| City | SAGINAW |
| State | MI |
| Zip | 48638-4529 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | LOT 35 CENTER COURT SUBD. SEC 21 T12N R4E |
| Legal Range | 04E |
| Legal Township | 12N |
| Legal Section | 21 |
| Legal Subdivision | COURT SUBD |
| Legal Lot Number | 35 |
| Legal Unit | 35 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | SAGINAW |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 10402 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 1787 E PACKARD DR, SAGINAW, MI 48638-4529 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 4, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Sep 11, 2017 | Deed of Trust, Mortgage · ARM STATE BANK |
| Dec 28, 2017 | Warranty Deed, Transfer · FHA Mortgage ACADEMY MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 26, 2017 · Amount on Record |
| Deed Sale | Dec 26, 2017 · Amount on Record |
| Deed Document Number | 201734202 |
| Deed Book / Page | 8 / 17 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 1787 E PACKARD DR, SAGINAW, MI 48638-4529 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2023 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 1787 E PACKARD DR, SAGINAW, MI 48638-4529 |
| Document Number | 0000025897 |
|---|---|
| Date | Dec 4, 2023 |
| Instrument | 2023025897 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 334 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 1787 E PACKARD DR, SAGINAW, MI 48638-4529 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Title Company | CISCLO TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000025286 |
|---|---|
| Date | Sep 11, 2017 |
| Book Page | 8/17 |
| Instrument | 2017025286 |
| Name | STATE BANK |
|---|
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Oct 1, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.88% |
| Type Change Date | Sep 1, 2027 |
| Index | Other |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Dec 28, 2017 |
| Property Address | 1787 E PACKARD DR, SAGINAW, MI 48638-4529 |
| Document Number | 0000034202 |
| Instrument Date | Dec 21, 2017 |
| Instrument | 34202 |
| Transaction Type | Transfer |
| Record Updated | Jan 8, 2018 |
| Title Company | DIVERSIFIED NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $158.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2595 MCCARTY RD SAGINAW MI 486032553, SAGINAW, MI 48603-2553 |
| Document Number | 34203 |
|---|---|
| Date | Dec 28, 2017 |
| Instrument | 34203 |
| Name | ACADEMY MTG |
|---|---|
| Type | Mortgage Company |
| Address | DRAPER, UT 84020 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 27, 2047 |
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | Saginaw Charter Township |
| Unified School District | Saginaw Township Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $122,900 (+28.96%) | $245,800 (+28.96%) | |
| 2025 | $3,233.00 (+19.3%) Homeowner's exemption | ||
| 2023 | $95,300 | $190,600 | |
| 2022 | $2,710.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.4% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SAGINAW CHARTER TOWNSHIP serves 40,840 people · EPA ID MI0005860 |
|---|---|
| Water Source | Purchased surface water from CITY OF SAGINAW |
| Last State Inspection | Oct 2024 |
| Lead | 2 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 376 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fixed Wireless in parts of the area | 100 / 20 |
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