18293 Frandsche Rd, Oakley, MI 48649 Property Records

Saginaw County property record for 18293 Frandsche Rd, Oakley, MI 48649

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,797 sqft · built 2018
Lot Size	2.22 acres (96,703 sqft)
Owner	2 Individual Names on File
Last Sale	$17,500 (Sep 2017)
Tax Bill	$4,725 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Oct 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-09-3-29-2004-008`

Property Details

APN / Parcel Number

Primary APN	`13-09-3-29-2004-008`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Units	6 Units
Stories	1 Story
Building Area	1,797 sqft Living Area
1st Floor Area	1,797 sqft
Basement Area	1,797 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Lot Area	96,703 sqft (2.22 acres)
Garage Area	2,176 sqft
Parking Spaces	8 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	18293 FRANDSCHE RD
City	OAKLEY
State	MI
Zip	48649-9779
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT W 1/4 CORN OF SD SEC 29 TH N03DEG E 925.68 FT TO POB TH CONT N03DEG E 285.59 FT TH S85DEG E 391.64 FT TH S03DEG W
Legal Range	03E
Legal Township	09N
Legal Section	29
Jurisdiction	SAGINAW MI
Township / Civil Division	CHESANING
Census Block Group	3
Census Block	3053
Census Tract	12700

Owner

18293 Frandsche Rd is owned and occupied by two individuals who bought it in September 2017.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	18293 FRANDSCHE RD, OAKLEY, MI 48649-9779
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage THE STATE BANK
Oct 31, 2018	Deed of Trust, Mortgage MORTGAGE 1 INC
Sep 20, 2017	Warranty Deed, Transfer GARROW TITLE AGENCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2017 · Amount on File
Deed Sale	Sep 20, 2017 · Amount on File
Prior Sale	Dec 7, 2009 · Amount on File
Deed Document Number	201726009
Prior Transfer Date	Feb 2, 2005
Prior Transfer Doc	02293/1059
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	18293 FRANDSCHE RD, OAKLEY, MI 48649-9779
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015513
Date	Jun 18, 2020
Instrument	2020015513

Lender

Name	THE STATE BANK
Type	Bank
Address	FENTON, MI 48430

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2035

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	18293 FRANDSCHE RD, OAKLEY, MI 48649-9779
Document Number	0000028014
Instrument Date	Oct 31, 2018
Transaction Type	Mortgage
Record Updated	Nov 21, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	18293 FRANDSCHE RD OAKLEY MI 486499779, OAKLEY, MI 48649-9779

Mortgage

Document Number	0000028014
Date	Nov 6, 2018
Instrument	28014

Lender

Name	MORTGAGE 1 INC
Type	Bank
Address	STERLING HEIGHTS, MI 48314

Agreement

Amount	Amount on Record
Term	180 Months
Due	Nov 5, 2033

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Sep 20, 2017
Property Address	18293 FRANDSCHE RD, OAKLEY, MI 48649-9779
Document Number	0000026009
Instrument Date	Sep 15, 2017
Instrument	26009
Transaction Type	Transfer
Record Updated	Sep 27, 2017
Title Company	GARROW TITLE AGENCY

Transaction

Amount	Amount on Record
Tax	$17.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	315 N CHAPMAN ST CHESANING MI 486161181, CHESANING, MI 48616-1181

Tax Assessment & Valuation

The 2025 property tax bill for 18293 Frandsche Rd was $4,725 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	Chesaning Township
Unified School District	Chesaning Union Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$181,400 (+11.84%)	$362,800 (+11.84%)
2025	$4,725.00 Homeowner's exemption	$162,200	$324,400
2023		$134,900	$269,800
2022	$4,065.00

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

Flood

FEMA maps place 18293 Frandsche Rd in Zone X, an area of minimal flood risk.

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	2 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

Wildfire risk around 18293 Frandsche 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	None beyond ember reach

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
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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