1887 E Packard Dr, Saginaw, MI 48638 Property Records

Saginaw County property record for 1887 E Packard Dr, Saginaw, MI 48638

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,934 sqft · built 1963
Lot Size	0.257 acres (11,195 sqft)
Owner	Individual Name on Record
Tax Bill	$3,610 (2025)
Deeds & Mortgages	Feb 2023 Second Mortgage Apr 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-12-4-21-2491-000`

Property Details

APN / Parcel Number

Primary APN	`23-12-4-21-2491-000`
Alternative APN	`124212491000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,934 sqft Living Area
1st Floor Area	1,124 sqft
Basement Area	810 sqft
Finished Basement	810 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Exterior Material	Brick
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,195 sqft (0.257 acres)
Lot Dimensions	127 ft deep x 88 ft wide
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	135 sqft
Deck Area	Deck Area
Patio Area	368 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1887 E PACKARD DR
City	SAGINAW
State	MI
Zip	48638-4516
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 41 CENTER COURT SUBD. SEC 21 T12N R4E
Legal Range	04E
Legal Township	12N
Legal Section	21
Legal Subdivision	COURT SUBD
Legal Lot Number	41
Legal Unit	41
Jurisdiction	SAGINAW MI
Township / Civil Division	SAGINAW
Census Block Group	4
Census Block	4004
Census Tract	10402

Owner

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	1887 E PACKARD DR, SAGINAW, MI 48638-4516
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FRANKENMUTH CU
Apr 26, 2019	Deed of Trust, Mortgage · ARM ISABELLA BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	1887 E PACKARD DR, SAGINAW, MI 48638-4516
Transaction Type	Mortgage
Record Updated	Feb 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1887 E PACKARD DR, SAGINAW, MI 48638-4516

Mortgage

Document Number	0000002713
Date	Feb 13, 2023
Instrument	2023002713

Lender

Name	FRANKENMUTH CU
Type	Credit Union
Address	FRANKENMUTH, MI 48734

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2038

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	1887 E PACKARD DR, SAGINAW, MI 48638-4516
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012242
Date	Apr 26, 2019
Instrument	2019012242

Lender

Name	ISABELLA BANK

Agreement

Type	ARM
Amount	Amount Recorded
Term	349 Months
Due	May 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	May 1, 2026
Index	Other

Tax Assessment & Valuation

Source: Saginaw County assessment roll, as of August 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	Saginaw Charter Township
Unified School District	Saginaw Township Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$104,600 (+29.94%)	$209,200 (+29.94%)
2025	$3,610.00 (+44.57%) Homeowner's exemption
2023		$80,500	$161,000
2022	$2,497.00

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

Flood

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 301 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Ripple Fiber.

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