208 Jay St, Saint Charles, MI 48655 Property Records

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

Property Summary

Property Type	Single Family Home
Details	5 bd · 1.5 ba · 1,904 sqft · built 1930
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on File
Last Sale	$99,700 (Aug 2005)
Tax Bill	$1,429 (2025)
Flood Zone	Zone X (minimal risk)
APN	`24-10-3-05-0909-000`

Property Details

APN / Parcel Number

Primary APN	`24-10-3-05-0909-000`

Interior

Bedrooms	5 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,904 sqft Living Area
1st Floor Area	1,068 sqft
Basement Area	1,028 sqft
Unfinished Basement	1,028 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,356 sqft (0.1 acres)
Lot Dimensions	132 ft deep x 33 ft wide
Garage Area	357 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	208 JAY ST
City	SAINT CHARLES
State	MI
Zip	48655-1738
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 EXC SW LY 1/2 BLK 2 PENOYERS SUB DIV OF BLOCKS 15 35 & 36 VILLAGE OF ST CHARLES SEC 05 T10N R3E
Legal Range	03E
Legal Township	10N
Legal Section	05
Legal Subdivision	PENOYERS SUB
Legal Block	15,2,6
Legal Lot Number	6
Legal Unit	6
Jurisdiction	SAGINAW MI
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2028
Census Tract	12600

Owner

Source: Saginaw County assessment roll, APN 24-10-3-05-0909-000, as of 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 Record	2 Individual Names on File
Mailing Address	208 JAY ST, SAINT CHARLES, MI 48655-1738
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 19, 2005 · Amount on Record
Deed Sale	Aug 19, 2005 · Amount on Record
Deed Book / Page	2324 / 949
Record Updated	Sep 20, 2026

Tax Assessment & Valuation

Source: Saginaw County assessment roll as of September 9, 2025 · Last verified August 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$74,000 (+24.37%)	$148,000 (+24.37%)
2025	$1,429.00 (+9.25%) Homeowner's exemption
2023		$59,500	$119,000
2022	$1,308.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Saginaw County (26145C), as of March 29, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261450126002, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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	Flooding, Apr 2013 · 2 claims Severe Storms & Flooding, Sep 1986 · 3 claims

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, 122 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MI0006260, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	VILLAGE OF ST. CHARLES serves 2,054 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.