Saginaw County property record for 2115 S River Rd, Saginaw, MI 48609
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,488 sqft · built 1942 |
| Lot Size | 0.606 acres (26,397 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $13,900 (Apr 1976) |
| Tax Bill | $2,374 (2025) |
| Deeds & Mortgages | Nov 2019 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 16-11-4-06-2007-000 |
| Primary APN | 16-11-4-06-2007-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,488 sqft Living Area |
| 1st Floor Area | 1,488 sqft |
| Basement Area | 864 sqft |
| Unfinished Basement | 864 sqft |
| Year Built | Built 1942 |
|---|---|
| Effective Year Built | Effective 1942 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 26,397 sqft (0.606 acres) |
| Lot Dimensions | 330 ft deep x 80 ft wide |
| Garage Area | 704 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 276 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 2115 S RIVER RD |
|---|---|
| City | SAGINAW |
| State | MI |
| Zip | 48609-5305 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-R RURAL |
| Legal Description | S 80 FT OF N 250 FT OF W 363 FT OF S 40.29 ACRES OF N 59.29 ACRES OF NW FRL 1/4 0.67 ACRE SEC 6 T11N R4E |
| Legal Range | 04E |
| Legal Township | 11N |
| Legal Section | 06 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | JAMES |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 11901 |
2115 S River Rd is owned and occupied by two individuals who bought it in April 1976.
Source: Saginaw County records, as of August 21, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2115 S RIVER RD, SAGINAW, MI 48609-5305 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 30, 1976 · Amount on File |
| Deed Sale | Apr 30, 1976 · Amount on File |
| Deed Book / Page | 1469 / 1193 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 2115 S RIVER RD, SAGINAW, MI 48609-5305 |
| Document Number | 0000028691 |
| Instrument Date | Nov 12, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2115 S RIVER RD SAGINAW MI 486095305, SAGINAW, MI 48609-5305 |
| Document Number | 0000028691 |
|---|---|
| Date | Nov 22, 2019 |
| Instrument | 28691 |
| Name | WILDFIRE CU |
|---|---|
| Type | Credit Union |
| Address | SAGINAW, MI 48605-3285 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Nov 21, 2039 |
The 2025 property tax bill for 2115 S River Rd was $2,374 with a homeowner's exemption.
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | James Township |
| Unified School District | Swan Valley School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $86,300 | $172,600 | |
| 2025 | $2,374.00 Homeowner's exemption | ||
| 2023 | $65,100 | $130,200 | |
| 2022 | $2,051.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2115 S River Rd in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 95 policies |
| Nearby Flood Policies | 95 in force |
| Nearby Flood Claims | 70 (1991–2026) |
| Most Recent Claim | Apr 2026 · rainfall accumulation |
| 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.
Wildfire risk around 2115 S River Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 83% of Michigan |
|---|---|
| Wildfire Likelihood | Under 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 | JAMES TOWNSHIP serves 2,023 people · EPA ID MI0003475 |
|---|---|
| Water Source | Purchased surface water from CITY OF SAGINAW |
| Last State Inspection | Jul 2024 |
| Lead | 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 40 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Starlink Satellite | 280 / 30 |
5G (outdoors only) and 4G LTE
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