216 E Oak St, Saint Charles, MI 48655 Property Records

Saginaw County property record for 216 E Oak St, Saint Charles, MI 48655

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,369 sqft · built 1972
Lot Size	1.48 acres (64,469 sqft)
Owner	Individual Name on Record
Last Sale	$125,000 (Apr 2021)
Tax Bill	$3,273 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Oct 2019 Transfer
Flood Zone	Zone AE (high risk)
APN	`24-10-3-05-0372-700`

Property Details

APN / Parcel Number

Primary APN	`24-10-3-05-0372-700`
Alternative APN	`24103050372A00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,369 sqft Living Area
1st Floor Area	1,369 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	64,469 sqft (1.48 acres)
Garage Area	592 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	308 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	216 E OAK ST
City	SAINT CHARLES
State	MI
Zip	48655-1117
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLK 111 EXC W 120 FT THEREOF VILLAGE OF ST CHARLES SEC 5 T10N R3E
Legal Range	03E
Legal Township	10N
Legal Section	05
Legal Block	111
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	Individual Name on Record
Mailing Address	216 E OAK ST, SAINT CHARLES, MI 48655-1117
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2021	Warranty Deed, Transfer · USDA Mortgage USDA
Oct 11, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 2021 · Amount on Record
Deed Sale	Apr 16, 2021 · Amount on Record
Deed Document Number	202114903
Record Updated	Oct 29, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Apr 16, 2021
Property Address	216 E OAK ST, SAINT CHARLES, MI 48655-1117
Document Number	2021014903
Map Reference	LB 38 PG 131
Instrument Date	Mar 15, 2021
Instrument	2021014903
Transaction Type	Transfer
Record Updated	Sep 2, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$937.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	217 E OAK ST, 217, SAINT CHARLES, MI 48655-1116

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4100 1ST ST, BROWN CITY, MI 48416-7705

Mortgage

Document Number	2021014904
Date	Apr 16, 2021
Instrument	2021014904

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	395 Months
Due	Mar 15, 2054

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAGINAW MI
Recording Date	Oct 11, 2019
Property Address	216 E OAK ST, SAINT CHARLES, MI 48655-1117
Document Number	0000025514
Instrument Date	Oct 4, 2019
Instrument	25514
Transaction Type	Transfer
Record Updated	Oct 30, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	217 E OAK ST ST CHARLES MI 486551116, ST CHARLES, MI 48655-1116

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		$79,700 (+25.31%)	$159,400 (+25.31%)
2025	$3,273.00 (+88.97%) Homeowner's exemption
2023		$63,600	$127,200
2022	$1,732.00

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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