19975 W Kramer Rd, Henderson, MI 48841 Property Records

Saginaw County property record for 19975 W Kramer Rd, Henderson, MI 48841

Property Summary

Property Type	Single Family Home
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$379,900 (Apr 2024)
Tax Bill	$176 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-09-1-25-3001-002`

Property Details

APN / Parcel Number

Primary APN	`12-09-1-25-3001-002`

Exterior

Lot Area	87,120 sqft (2 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	19975 W KRAMER RD
City	HENDERSON
State	MI
Zip	48841-9504
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT A PT 249 FT N OF SW CORN OF SEC 25 TH N 112.5 FT TH E 361.5 FT TH S 361.5 FT TH W 186.5 FT TH N 249 FT TH W 175 FT TO POB 2 ACRES SEC 25 T9N R1E
Legal Range	01E
Legal Township	09N
Legal Section	25
Jurisdiction	SAGINAW MI
Township / Civil Division	CHAPIN
Census Block Group	2
Census Block	2053
Census Tract	12500

Owner

Source: Saginaw County records, as of July 20, 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	8248 BROOKFIELD RD, CHARLOTTE, MI 48813-9121
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2024	Deed of Trust, Mortgage · Conventional Mortgage EATON COMMUNITY BANK
Sep 10, 2019	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 INC MORTGAGE 1 INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2024 · Amount on Record
Deed Sale	Apr 3, 2024 · Amount on Record
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	19975 W KRAMER RD, HENDERSON, MI 48841-9504
Transaction Type	Mortgage
Record Updated	Apr 18, 2024
Title Company	ATA NATIONAL TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8248 BROOKFIELD RD, CHARLOTTE, MI 48813-9121

Mortgage

Document Number	0000005957
Date	Apr 3, 2024
Instrument	2024005957

Lender

Name	EATON COMMUNITY BANK
Type	Bank
Address	236 S COCHRAN AVE, CHARLOTTE, MI 48813

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2054

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Sep 10, 2019
Property Address	19975 W KRAMER RD, HENDERSON, MI 48841-9504
Document Number	0000022521
Instrument Date	Aug 29, 2019
Instrument	22521
Transaction Type	Transfer
Record Updated	Sep 27, 2019
Title Company	ATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$180.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2451 TIMBERLANE DR OWOSSO MI 488671248, OWOSSO, MI 48867-1248
Investor	Possibly a Property Investor

Mortgage

Document Number	22522
Date	Sep 10, 2019
Instrument	22522

Lender

Name	MORTGAGE 1 INC MORTGAGE 1 INC
Type	Bank
Address	STERLING HEIGHTS, MI 48314

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 9, 2049

Tax Assessment & Valuation

Source: Saginaw County assessment roll, as of September 9, 2025

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	Chapin Township
Unified School District	Chesaning Union Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$18,400 (+5.14%)	$36,800 (+5.14%)
2025	$176.00 (-72.84%)
2023		$17,500	$35,000
2022	$648.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective March 29, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Westphalia Broadband Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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