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

Saginaw County property record for 217 E Oak St, Saint Charles, MI 48655

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1972
Lot Size	0.222 acres (9,670 sqft)
Owner	2 Individual Names on Record
Last Sale	$90,000 (Nov 2023)
Tax Bill	$1,377 (2025)
Deeds & Mortgages	Dec 2023 Transfer Nov 2023 Sale
Flood Zone	Zone AE (high risk)
APN	`24-10-3-05-0374-400`

Property Details

APN / Parcel Number

Primary APN	`24-10-3-05-0374-400`
Alternative APN	`24103050374F00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,670 sqft (0.222 acres)
Lot Dimensions	132 ft deep x 73 ft wide
Garage Area	588 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	16 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	217 E OAK ST
City	SAINT CHARLES
State	MI
Zip	48655-1116
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 1/2 OF W 1/2 OF BLK 113 EXC THEREFROM THE W 164.16 FT VILLAGE OF ST CHARLES SEC 5 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 July 20, 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	217 E OAK ST, SAINT CHARLES, MI 48655-1116
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2023	Correction Deed GARROW TITLE AGENCY
Nov 28, 2023	Warranty Deed, Transfer FIRST AMERICAN, FATIC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 28, 2023 · Amount on Record
Deed Sale	Nov 28, 2023 · Amount on Record
Prior Sale	Oct 15, 2010 · Amount on Record
Deed Document Number	202325472
Record Updated	Sep 20, 2026

December 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	SAGINAW MI
Recording Date	Dec 6, 2023
Property Address	217 E OAK ST, SAINT CHARLES, MI 48655-1116
Document Number	0000026089
Instrument Date	Dec 6, 2023
Instrument	2023026089
Record Updated	Dec 20, 2023
Title Company	GARROW TITLE AGENCY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Nov 28, 2023
Property Address	217 E OAK ST, SAINT CHARLES, MI 48655-1116
Document Number	0000025472
Map Reference	LB 38 PG 131
Instrument Date	Nov 27, 2023
Instrument	2023025472
Transaction Type	Transfer
Record Updated	Dec 12, 2023
Title Company	FIRST AMERICAN, FATIC

Transaction

Amount	Amount Recorded
Tax	$675.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	217 E OAK ST # 82, 82, SAINT CHARLES, MI 48655-1116

Tax Assessment & Valuation

Source: Saginaw County assessment roll, as of September 9, 2025

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		$49,800 (+23.27%)	$99,600 (+23.27%)
2025	$1,377.00 (+5%) Homeowner's exemption
2023		$40,400	$80,800
2022	$918.00

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.

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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