1905 E Packard Dr, Saginaw, MI 48638 Property Records

Saginaw County property record for 1905 E Packard Dr, Saginaw, MI 48638

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,758 sqft · built 1965
Lot Size	0.257 acres (11,195 sqft)
Owner	2 Individual Names on Record
Last Sale	$130,000 (Nov 2001)
Tax Bill	$2,580 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Nov 2022 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`23-12-4-21-2492-000`

Property Details

APN / Parcel Number

Primary APN	`23-12-4-21-2492-000`
Alternative APN	`124212492000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,758 sqft Living Area
1st Floor Area	1,004 sqft
Basement Area	696 sqft
Unfinished Basement	696 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
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	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	45 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	1905 E PACKARD DR
City	SAGINAW
State	MI
Zip	48638-4536
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 42 CENTER COURT SUBD. SEC 21 T12N R4E
Legal Range	04E
Legal Township	12N
Legal Section	21
Legal Subdivision	COURT SUBD
Legal Lot Number	42
Legal Unit	42
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	2 Individual Names on Record
Mailing Address	1905 E PACKARD DR, SAGINAW, MI 48638-4536
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage FINANCIAL PLUS CREDIT UNION
Nov 2, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FINANCIAL PLUS CU
Jan 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage WANIGAS CU
Aug 17, 2020	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 26, 2001 · Amount on Record
Deed Sale	Nov 26, 2001 · Amount on Record
Prior Sale	Nov 7, 2001 · Amount on Record
Deed Document Number	20017058482
Deed Book / Page	2212 / 1452
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Recording Date	Jun 22, 2026
Property Address	1905 E PACKARD DR, SAGINAW, MI 48638-4536
Document Number	0000016366
Instrument Date	Jun 15, 2026
Instrument	202616366
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TRANSNATION TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1905 E PACKARD DR, SAGINAW, MI 48638-4536

Mortgage

Document Number	0000016366,
Date	Jun 22, 2026
Instrument	202616366

Lender

Name	FINANCIAL PLUS CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.71%
Initial Type	Fixed Rate
Max Rate	-1%

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	1905 E PACKARD DR, SAGINAW, MI 48638-4536
Transaction Type	Mortgage
Record Updated	Nov 17, 2022
Title Company	MID STATE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1905 E PACKARD DR, SAGINAW, MI 48638-4536

Mortgage

Document Number	0000028491
Date	Nov 2, 2022
Instrument	2022028491

Lender

Name	FINANCIAL PLUS CU
Type	Credit Union
Address	FLINT, MI 48507

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Dec 1, 2032

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	1905 E PACKARD DR, SAGINAW, MI 48638-4536
Transaction Type	Mortgage
Record Updated	Jan 21, 2022
Title Company	MID-STATE TITLE SERVICES INC, MID STATE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1905 E PACKARD DR, SAGINAW, MI 48638-4536

Mortgage

Document Number	0000000666
Date	Jan 6, 2022
Instrument	2022000666

Lender

Name	WANIGAS CU
Type	Credit Union
Address	SAGINAW, MI 48603

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2037

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	1905 E PACKARD DR, SAGINAW, MI 48638-4536
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020000
Date	Aug 17, 2020
Instrument	2020020000

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2035

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		$96,800 (+36.72%)	$193,600 (+36.72%)
2025	$2,580.00 (+19.11%) Homeowner's exemption
2023		$70,800	$141,600
2022	$2,166.00

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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