Saginaw County property record for 18810 Frandsche Rd, Oakley, MI 48649
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 960 sqft · built 1968 |
| Lot Size | 0.9 acres (39,204 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $74,500 (Jul 1999) |
| Tax Bill | $1,454 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-09-3-30-4010-000 |
| Primary APN | 13-09-3-30-4010-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 960 sqft Living Area |
| 1st Floor Area | 960 sqft |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 39,204 sqft (0.9 acres) |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
|---|---|
| Porch Area | 162 sqft |
| Deck Area | Deck Area |
| Patio Area | 108 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 18810 FRANDSCHE RD |
|---|---|
| City | OAKLEY |
| State | MI |
| Zip | 48649-8772 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | E 330 FT OF S 264 FT OF GOVT LOT 7 EXC S 132 FT 1 ACRE SEC 30 T09N R3E |
| Legal Range | 03E |
| Legal Township | 09N |
| Legal Section | 30 |
| Legal Lot Number | 7 |
| Legal Unit | 7 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | CHESANING |
| Census Block Group | 4 |
| Census Block | 4028 |
| Census Tract | 12700 |
18810 Frandsche Rd is owned and occupied by two individuals who bought it in July 1999.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 18810 FRANDSCHE RD, OAKLEY, MI 48649-8772 |
| 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 | Jul 27, 1999 · Amount on File |
| Deed Sale | Jul 27, 1999 · Amount on File |
| Prior Sale | Jul 8, 1999 · Amount on File |
| Deed Book / Page | 2132 / 1693 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 18810 FRANDSCHE RD, OAKLEY, MI 48649-8772 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2023 |
| Name | Verified Name |
|---|---|
| Address | 18810 FRANDSCHE RD, OAKLEY, MI 48649-8772 |
| Document Number | 0000009944 |
|---|---|
| Date | Apr 20, 2023 |
| Instrument | 2023009944 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Apr 14, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 18810 Frandsche Rd was $1,454 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 | $52,700 | $105,400 | |
| 2025 | $1,454.00 Homeowner's exemption | ||
| 2023 | $42,600 | $85,200 | |
| 2022 | $1,264.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 18810 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 18810 Frandsche Rd is low, with 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 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 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: FCC Broadband Data Collection, based on 14 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
Search by:
By searching, you agree to: Terms • Privacy • Disclosures