Saginaw County property record for 187 S 3rd St, Freeland, MI 48623
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,862 sqft |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $109,000 (Aug 2018) |
| Tax Bill | $2,714 (2025) |
| Deeds & Mortgages | Mar 2020 Mortgage Aug 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-13-3-21-0154-000 |
| Primary APN | 29-13-3-21-0154-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,862 sqft Living Area |
| 1st Floor Area | 998 sqft |
| Basement Area | 864 sqft |
| Unfinished Basement | 864 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,534 sqft (0.15 acres) |
| Lot Dimensions | 107 ft deep x 60 ft wide |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 232 sqft |
| Deck Area | Deck Area |
| Patio Area | 289 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 187 S 3RD ST |
|---|---|
| City | FREELAND |
| State | MI |
| Zip | 48623-2516 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A1-AGRI |
| Legal Description | W 1/2 OF LOTS 9 & 10 BLK 3 VILLAGE OF TITTABAWASSEE SEC 21 T13N R3E |
| Legal Range | 03E |
| Legal Township | 13N |
| Legal Section | 21 |
| Legal Subdivision | VILLAGE OF TITTABAWASSEE |
| Legal Block | 3 |
| Legal Lot Number | 9-10 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | TITTABAWASSEE |
| Census Block Group | 1 |
| Census Block | 1053 |
| Census Tract | 10101 |
187 S 3rd St is owned and occupied by two individuals who bought it in August 2018.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 403, FREELAND, MI 48623-0403 |
| 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.
| Date | Document |
|---|---|
| Mar 11, 2020 | Deed of Trust, Mortgage · VA Mortgage FIFTH THIRD BANK |
| Aug 8, 2018 | Warranty Deed, Transfer · VA Mortgage FIFTH THIRD MORTGAGE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 8, 2018 · Amount on File |
| Deed Sale | Aug 8, 2018 · Amount on File |
| Prior Sale | Mar 2, 2000 · Amount on File |
| Deed Document Number | 201821131 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 187 S 3RD ST, FREELAND, MI 48623-2516 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000005754 |
|---|---|
| Date | Mar 11, 2020 |
| Instrument | 2020005754 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45227 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 337 Months |
| Due | Apr 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Aug 8, 2018 |
| Property Address | 187 S 3RD ST, FREELAND, MI 48623-2516 |
| Document Number | 0000021131 |
| Instrument Date | Jul 31, 2018 |
| Instrument | 2018021131 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2611 BENJAMIN ST, SAGINAW, MI 48602-5736 |
| Document Number | 0000021132 |
|---|---|
| Date | Aug 8, 2018 |
| Instrument | 2018021132 |
| Name | FIFTH THIRD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 337 Months |
| Due | Sep 1, 2046 |
The 2025 property tax bill for 187 S 3rd St was $2,714 with a homeowner's exemption.
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | Tittabawassee Township |
| Unified School District | Freeland Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $111,100 | $222,200 | |
| 2025 | $2,714.00 Homeowner's exemption | ||
| 2023 | $80,700 | $161,400 | |
| 2022 | $2,179.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 187 S 3rd St 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 187 S 3rd St 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TITTABAWASSEE TOWNSHIP serves 9,227 people · EPA ID MI0002470 |
|---|---|
| Water Source | Purchased surface water from CITY OF SAGINAW |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2024) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Apr 2018 |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 1 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 196 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: LakeNet.
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