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203 E 4th St, Oakley, MI 48649 Property Records

Saginaw County property record for 203 E 4th St, Oakley, MI 48649 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details5 bd · 2 ba · 1,858 sqft · built 1900
Lot Size0.4 acres (17,424 sqft)
OwnerIndividual Name on File
Last Sale$140,000 (Feb 2023)
Tax Bill$1,084 (2025)
Deeds & MortgagesMar 2026 Mortgage
Feb 2023 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN07-09-3-31-0317-000

Property Details

APN / Parcel Number

Primary APN07-09-3-31-0317-000

Interior

Bedrooms5 Beds
Full Baths2 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area1,858 sqft Living Area
1st Floor Area1,307 sqft
Basement Area1,307 sqft
Unfinished Basement1,307 sqft

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1900
Exterior MaterialWood Siding
Roof MaterialAsphalt
Lot Area17,424 sqft (0.4 acres)
Lot Dimensions132 ft deep x 132 ft wide
Garage Area528 sqft
Parking Spaces2 Parking Spaces
PorchPorch
Porch Area189 sqft
Patio Area156 sqft

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Street Address203 E 4TH ST
CityOAKLEY
StateMI
Zip48649-2509
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOTS 5 & 6 BLK 1 PHILIP MICKLES DIVISION VILLAGE OF OAKLEY SEC 31 T9N R3E
Legal Range03E
Legal Township09N
Legal Section31
Legal SubdivisionPHILIP MICKLES DIVISION
Legal Block1
Legal Lot Number5-6
JurisdictionSAGINAW MI
Township / Civil DivisionBRADY
Census Block Group4
Census Block4015
Census Tract12500

Owner

Source: Saginaw County records · APN 07-09-3-31-0317-000

Assessment roll updated September 9, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing AddressPO BOX 92, OAKLEY, MI 48649-0092
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 30, 2026Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MORTGAGE CORP
Feb 10, 2023Warranty Deed, Transfer · FHA Mortgage
LEGACY MORTGAGE
Jan 09, 2023Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleFeb 10, 2023 · Amount on Record
Deed SaleFeb 10, 2023 · Amount on Record
Prior SaleJul 14, 1999 · Amount on Record
Deed Document Number20232657
Prior Transfer DateJan 02, 2023
Prior Transfer Doc0000000501
Record UpdatedSep 20, 2026

March 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAGINAW MI
Property Address203 E 4TH ST, OAKLEY, MI 48649-2509
Transaction TypeMortgage
Record UpdatedApr 09, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address203 E 4TH ST, OAKLEY, MI 48649-2509

Mortgage

Document Number0000006324
DateMar 30, 2026
Instrument2026006324
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
Address951 W YAMATO RD STE 175, BOCA RATON, FL 33431
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term324 Months
DueMar 01, 2053

February 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSAGINAW MI
Recording DateFeb 10, 2023
Property Address203 E 4TH ST, OAKLEY, MI 48649-2509
Document Number0000002657
Map ReferenceLB 38 PG 199
Instrument DateFeb 09, 2023
Instrument2023002657
Transaction TypeTransfer
Record UpdatedFeb 23, 2023
Title CompanyCRISLO TITLE COMPANY, CISLO TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,050.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address203 E 4TH ST, OAKLEY, MI 48649-2509

Transferred To (Grantee/Buyer)

NameVerified Name
Address17320 SOUTH RAUCHOTZ ROAD, OAKLEY, MI 48649-8753

Mortgage

Document Number0000002658
DateFeb 10, 2023
Instrument2023002658
Lender
NameLEGACY MORTGAGE
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2053

January 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSAGINAW MI
Recording DateJan 09, 2023
Property Address203 E 4TH ST, OAKLEY, MI 48649-2509
Document Number0000000501
Instrument DateJan 09, 2023
Instrument2023000501
Transaction TypeTransfer
Record UpdatedJan 24, 2023

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address14265 W BURT RD, CHESANING, MI 48616-9546

Transferred To (Grantee/Buyer)

NameVerified Name
Address19016 W PEET RD, HENDERSON, MI 48841-9509

Tax Assessment & Valuation

Source: Saginaw County records · Assessment roll updated September 9, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateMichigan
CountySaginaw County
County SubdivisionBrady Township
MunicipalityOakley Village
Unified School DistrictChesaning Union Schools (KG - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2026$44,400 (+11%)$88,800 (+11%)
2025$1,084.00 (+15.81%) Homeowner's exemption$40,000 (+12.68%)$80,000 (+12.68%)
2023$35,500$71,000
2022$936.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Saginaw County (26145C), updated March 29, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskLow
above 2% of the US · above 4% of Michigan
Wildfire LikelihoodLess than 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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