208 E North St, Saint Charles, MI 48655 Property Records

Saginaw County property record for 208 E North St, Saint Charles, MI 48655

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,622 sqft · built 1975
Lot Size	0.661 acres (28,793 sqft)
Owner	2 Individual Names on Record
Last Sale	$7,500 (May 2019)
Tax Bill	$3,075 (2025)
Deeds & Mortgages	Nov 2017 Mortgage Feb 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`24-10-3-05-0373-700`

Property Details

APN / Parcel Number

Primary APN	`24-10-3-05-0373-700`
Alternative APN	`24103050373A00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	3 Stories
Building Area	1,622 sqft Living Area
1st Floor Area	1,200 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Tri-Level
Exterior Material	Combination
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	28,793 sqft (0.661 acres)
Lot Dimensions	264 ft deep x 109 ft wide
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	216 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	208 E NORTH ST
City	SAINT CHARLES
State	MI
Zip	48655-1104
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 109 FT OF E 1/2 OF BLK 113 VILLAGE OF ST CHARLES SEC 05 T10N R3E
Legal Range	03E
Legal Township	10N
Legal Section	05
Legal Subdivision	VILLAGE OF SAINT CHARLES
Legal Block	113
Jurisdiction	SAGINAW MI
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2001
Census Tract	12600

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	208 E NORTH ST, SAINT CHARLES, MI 48655-1104
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2017	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Feb 14, 2017	Grant Deed, Transfer · FHA Mortgage TOWNE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 8, 2019 · Amount on Record
Deed Sale	May 8, 2019 · Amount on Record
Prior Sale	Jun 22, 2001 · Amount on Record
Deed Document Number	201913090
Prior Transfer Date	Jul 15, 2015
Prior Transfer Doc	0000026455
Record Updated	Oct 29, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	208 E NORTH ST, SAINT CHARLES, MI 48655-1104
Document Number	0000030249
Instrument Date	Nov 4, 2017
Transaction Type	Mortgage
Record Updated	Nov 21, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	208 E NORTH ST ST CHARLES MI 486551104, ST CHARLES, MI 48655-1104

Mortgage

Document Number	0000030249
Date	Nov 13, 2017
Instrument	30249

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Nov 12, 2032

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAGINAW MI
Recording Date	Feb 14, 2017
Property Address	208 E NORTH ST, SAINT CHARLES, MI 48655-1104
Document Number	0000003650
Book / Page	002889 / 001520
Instrument Date	Jan 17, 2017
Instrument	3650
Transaction Type	Transfer
Record Updated	Feb 23, 2017
Title Company	ATA NATIONAL TITLE, ATA NAT'L TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$38.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1460 S LINVILLE AVE WESTLAND MI 481864156, WESTLAND, MI 48186-4156

Mortgage

Document Number	3651
Date	Feb 14, 2017
Book Page	002889/001524
Instrument	3651

Lender

Name	TOWNE MTG
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 13, 2047

Tax Assessment & Valuation

Source: Saginaw County assessment roll, as of August 21, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$83,900 (+23.02%)	$167,800 (+23.02%)
2025	$3,075.00 (+89.81%) Homeowner's exemption
2023		$68,200	$136,400
2022	$1,620.00

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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	Flooding, Apr 2013 · 2 claims Severe Storms & Flooding, Sep 1986 · 3 claims

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	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 186 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

May also be available: T-Mobile.

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