Saginaw County property record for 202 E North St, Saint Charles, MI 48655
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,298 sqft |
| Lot Size | 0.166 acres (7,231 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $87,000 (Dec 2018) |
| Tax Bill | $1,840 (2025) |
| Deeds & Mortgages | Apr 2026 Sale May 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-10-3-05-0373-800 |
| Primary APN | 24-10-3-05-0373-800 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,298 sqft Living Area |
| 1st Floor Area | 1,298 sqft |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,231 sqft (0.166 acres) |
| Lot Dimensions | 132 ft deep x 54 ft wide |
| Garage Type | Detached |
| Garage Area | 405 sqft |
| Porch | Covered Porch |
| Porch Area | 56 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 202 E NORTH ST |
|---|---|
| City | SAINT CHARLES |
| State | MI |
| Zip | 48655-1104 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N 1/2 OF W 54.72 FT OF BLK 113 VILLAGE OF ST CHARLES SEC 05 T10N R3E |
| Legal Range | 03E |
| Legal Township | 10N |
| Legal Section | 05 |
| Legal Subdivision | VILLAGE ST CHARLES |
| Legal Block | 113 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 12600 |
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 | 202 E NORTH ST, SAINT CHARLES, MI 48655-1104 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Apr 22, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| May 18, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Dec 21, 2018 | Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 21, 2018 · Amount on Record |
| Deed Sale | Dec 21, 2018 · Amount on Record |
| Prior Sale | Oct 14, 2003 · Amount on Record |
| Deed Document Number | 201831760 |
| Last Transfer Date | Apr 22, 2026 |
| Transfer Doc | 0000011389 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Apr 22, 2026 |
| Property Address | 202 E NORTH ST, SAINT CHARLES, MI 48655-1104 |
| Document Number | 0000011389 |
| Instrument Date | Apr 22, 2026 |
| Instrument | 202611389 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 202 E NORTH ST, SAINT CHARLES, MI 48655-1104 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 202 E NORTH ST, SAINT CHARLES, MI 48655-1104 |
| Document Number | 0000013590 |
| Instrument Date | May 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 6, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 202 E NORTH ST ST CHARLES MI 486551104, ST CHARLES, MI 48655-1104 |
| Document Number | 0000013590 |
|---|---|
| Date | May 22, 2020 |
| Instrument | 13590 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 21, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Dec 21, 2018 |
| Property Address | 202 E NORTH ST, SAINT CHARLES, MI 48655-1104 |
| Document Number | 0000031760 |
| Instrument Date | Dec 6, 2018 |
| Instrument | 31760 |
| Transaction Type | Transfer |
| Record Updated | Jan 9, 2019 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $87.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 227 WOODLAWN DR ST CHARLES MI 486551017, ST CHARLES, MI 48655-1017 |
| Document Number | 31761 |
|---|---|
| Date | Dec 21, 2018 |
| Instrument | 31761 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 20, 2048 |
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | St. Charles Township |
| Municipality | St. Charles Village |
| Unified School District | St. Charles Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $49,600 (+10.22%) | $99,200 (+10.22%) | |
| 2025 | $1,840.00 (+98.7%) Homeowner's exemption | $45,000 (+15.38%) | $90,000 (+15.38%) |
| 2023 | $39,000 | $78,000 | |
| 2022 | $926.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 15 policies |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 6 (1986–2013) |
| Claims Outside the SFHA | 1 of 6 |
| Most Recent Claim | Apr 2013 · Flooding |
| Claims by Event |
|
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.
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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | VILLAGE OF ST. CHARLES serves 2,054 people · EPA ID MI0006260 |
|---|---|
| Water Source | Purchased surface water from CITY OF SAGINAW |
| Last State Inspection | Jul 2024 |
| Lead | 3 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| 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 147 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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