Saginaw County property record for 204 E North St, Saint Charles, MI 48655
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,375 sqft · built 1946 |
| Lot Size | 0.166 acres (7,231 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $155,000 (Mar 2026) |
| Tax Bill | $2,073 (2025) |
| Deeds & Mortgages | Mar 2026 Sale & Mortgage Oct 2025 Sale & Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-10-3-05-0374-600 |
| Primary APN | 24-10-3-05-0374-600 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,375 sqft Living Area |
| 1st Floor Area | 1,375 sqft |
| Basement Area | 1,120 sqft |
| Unfinished Basement | 1,120 sqft |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1946 |
| Exterior Material | Block |
| Foundation Type | No Foundation |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 7,231 sqft (0.166 acres) |
| Lot Dimensions | 132 ft deep x 54 ft wide |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Covered Porch |
| Porch Area | 85 sqft |
| Patio Area | 64 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 204 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 E 54.72 FT OF W 109.44 FT OF W 1/2 OF BLK 113 VILLAGE OF ST CHARLES SEC 5 T10N R3E |
| Legal Range | 03E |
| Legal Township | 10N |
| Legal Section | 05 |
| Legal Subdivision | 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 | 4153 MOUNTAIN VIEW CT, FREELAND, MI 48623-8932 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Mar 10, 2026 | Warranty Deed, Transfer · Conventional Mortgage JOLT CREDIT UNION |
| Oct 17, 2025 | Warranty Deed, Transfer · Line of Credit FINLEY CAPITAL LLC A MICHIG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 10, 2026 · Amount on Record |
| Deed Sale | Mar 10, 2026 · Amount on Record |
| Prior Sale | Oct 17, 2025 · Amount on Record |
| Deed Document Number | 20264823 |
| Prior Transfer Date | Jan 3, 2005 |
| Prior Transfer Doc | 0007245797 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Mar 10, 2026 |
| Property Address | 204 E NORTH ST, SAINT CHARLES, MI 48655-1104 |
| Document Number | 0000004823 |
| Map Reference | LB 38 PG 131 |
| Instrument Date | Mar 5, 2026 |
| Instrument | 2026004823 |
| Transaction Type | Transfer |
| Record Updated | Mar 19, 2026 |
| Title Company | CROSSROADS TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,162.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 600 FRITZLER DR, SAGINAW, MI 48609-5102 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4153 MOUNTAIN VIEW CT, FREELAND, MI 48623-8932 |
| Document Number | 0000004544 |
|---|---|
| Date | Mar 10, 2026 |
| Instrument | 2026004544 |
| Name | JOLT CREDIT UNION |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Apr 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Oct 17, 2025 |
| Property Address | 204 E NORTH ST, SAINT CHARLES, MI 48655-1104 |
| Document Number | 0000024641 |
| Map Reference | LB 38 PG 131 |
| Instrument Date | Oct 1, 2025 |
| Instrument | 2025024641 |
| Transaction Type | Transfer |
| Record Updated | Oct 29, 2025 |
| Title Company | CROSSROADS TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $577.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3391 W COLBY RD, PERRY, MI 48872-9332 |
| Name | Verified Name |
|---|---|
| Address | 600 FRITZLER DR, SAGINAW, MI 48609-5102 |
| Document Number | 0000024642 |
|---|---|
| Date | Oct 17, 2025 |
| Instrument | 2025024642 |
| Name | FINLEY CAPITAL LLC A MICHIG |
|---|---|
| Type | Non-Lending Institution |
| Address | 6024 EASTMAN AVE, MIDLAND, MI 48640 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
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 | $58,300 (+1%) | $116,600 (+1%) | |
| 2025 | $2,073.00 (+3.44%) Homeowner's exemption | $53,000 (+15.22%) | $106,000 (+15.22%) |
| 2024 | $2,004.00 (+89.59%) | ||
| 2023 | $46,000 | $92,000 | |
| 2022 | $1,057.00 |
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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