217 Jay St, Saint Charles, MI 48655 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,099 sqft · built 1949
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$116,000 (Oct 2022)
Tax Bill	$2,392 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-10-3-05-0926-000`

Property Details

APN / Parcel Number

Primary APN	`24-10-3-05-0926-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,099 sqft Living Area
1st Floor Area	1,099 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	226 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	217 JAY ST
City	SAINT CHARLES
State	MI
Zip	48655-1737
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 BLK 5 PENOYERS SUB DIV OF BLOCKS 15 35 & 36 VILLAGE OF ST CHARLES SEC 5 T10N R3E
Legal Range	03E
Legal Township	10N
Legal Section	05
Legal Subdivision	PENOYERS SUB
Legal Block	15,2,5
Legal Lot Number	2
Legal Unit	2
Jurisdiction	SAGINAW MI
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2027
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	217 JAY ST, SAINT CHARLES, MI 48655-1737
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 25, 2022 · Amount on Record
Deed Sale	Oct 25, 2022 · Amount on Record
Prior Sale	Apr 23, 2015 · Amount on Record
Deed Document Number	202227993
Prior Transfer Date	Mar 8, 2002
Prior Transfer Doc	0007187636
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Oct 25, 2022
Property Address	217 JAY ST, SAINT CHARLES, MI 48655-1737
Document Number	0000027993
Map Reference	LB 76 PG 5
Instrument Date	Oct 20, 2022
Instrument	2022027993
Transaction Type	Transfer
Record Updated	Nov 10, 2022
Title Company	HOMELAND TITLE, HOMELAND TITLE SERVICES

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$870.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	217 JAY ST, 217, SAINT CHARLES, MI 48655-1737

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6365 S FORDNEY RD, SAINT CHARLES, MI 48655-8745

Mortgage

Document Number	0000027994
Date	Oct 25, 2022
Instrument	2022027994

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

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		$51,500 (+24.7%)	$103,000 (+24.7%)
2025	$2,392.00 (+182.08%) Homeowner's exemption
2023		$41,300	$82,600
2022	$848.00

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 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

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	None beyond ember reach

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 122 locations within half a mile, as of December 31, 2025

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