Saginaw County property record for 18342 Frandsche Rd, Oakley, MI 48649
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,232 sqft · built 1996 |
| Lot Size | 0.93 acres (40,511 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $3,100 (Apr 2002) |
| Tax Bill | $3,509 (2025) |
| Deeds & Mortgages | Aug 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-09-3-30-1002-005 |
| Primary APN | 13-09-3-30-1002-005 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,232 sqft Living Area |
| 1st Floor Area | 1,008 sqft |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 40,511 sqft (0.93 acres) |
| Garage Area | 936 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Covered Porch |
|---|---|
| Porch Area | 592 sqft |
| Deck Area | Deck Area |
| Patio Area | 892 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 18342 FRANDSCHE RD |
|---|---|
| City | OAKLEY |
| State | MI |
| Zip | 48649-9779 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A-1 |
| Legal Description | BEG AT A PT 1750.24 FT S OF NE CORN OF SEC 30 TH CONT S 160 FT TH W 400 FT TH N 160 FT TH E 400 FT TO POB 1.47 ACRES SEC 30 |
| Legal Range | 03E |
| Legal Township | 09N |
| Legal Section | 30 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | CHESANING |
| Census Block Group | 4 |
| Census Block | 4028 |
| Census Tract | 12700 |
18342 Frandsche Rd is owned and occupied by two individuals who bought it in April 2002.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 18342 FRANDSCHE RD, OAKLEY, MI 48649-9779 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 22, 2002 · Amount on File |
| Deed Sale | Apr 22, 2002 · Amount on File |
| Prior Sale | Jun 18, 1996 · Amount on File |
| Deed Document Number | 20027076756 |
| Deed Book / Page | 2220 / 1174 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 18342 FRANDSCHE RD, OAKLEY, MI 48649-9779 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2022 |
| Name | Verified Name |
|---|---|
| Address | 18342 FRANDSCHE RD, OAKLEY, MI 48649-9779 |
| Document Number | 0000023235 |
|---|---|
| Date | Aug 29, 2022 |
| Instrument | 2022023235 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2037 |
The 2025 property tax bill for 18342 Frandsche Rd was $3,509 with a homeowner's exemption.
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | Chesaning Township |
| Unified School District | Chesaning Union Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $138,100 | $276,200 | |
| 2025 | $3,509.00 Homeowner's exemption | ||
| 2023 | $104,900 | $209,800 | |
| 2022 | $3,023.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 18342 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 | 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.
Wildfire risk around 18342 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 95% of the US · lower than 89% 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: 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 |
5G (outdoors only) and 4G LTE
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