Saginaw County property record for 218 Shepard St, Saginaw, MI 48604
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,235 sqft · built 1900 |
| Lot Size | 0.207 acres (9,017 sqft) |
| Owner | Individual Name on File |
| Last Sale | $50,000 (Jun 2024) |
| Tax Bill | $2,125 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 02-13-5-31-0230-000 |
| Primary APN | 02-13-5-31-0230-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,235 sqft Living Area |
| 1st Floor Area | 1,080 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 9,017 sqft (0.207 acres) |
| Lot Dimensions | 150 ft deep x 60 ft wide |
| Porch | Porch |
| Porch Area | 245 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 218 SHEPARD ST |
|---|---|
| City | SAGINAW |
| State | MI |
| Zip | 48604-1225 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1B/URB |
| Legal Description | W 60 FT OF S 30 FT OF LOT 3 ALSO W 60 FT OF LOTS 4 & 5 BLK 62 CITY OF ZILWAUKEE SEC 31 T13N R5E |
| Legal Range | 05E |
| Legal Township | 13N |
| Legal Section | 31 |
| Legal Subdivision | VILLAGE OF ZILWAUKEE |
| Legal Block | 62 |
| Legal Lot Number | 3 |
| Legal Unit | 3 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | ZILWAUKEE |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 10800 |
218 Shepard St is owned and occupied by an individual who bought it in June 2024.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 218 SHEPARD ST, SAGINAW, MI 48604-1225 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 21, 2024 · Amount on File |
| Deed Sale | Jun 21, 2024 · Amount on File |
| Prior Sale | Jun 27, 2000 · Amount on File |
| Deed Document Number | 202415049 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 218 Shepard St was $2,125 with a homeowner's exemption.
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| Municipality | Zilwaukee City |
| Unified School District | Saginaw City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $47,000 | $94,000 | |
| 2025 | $2,125.00 Homeowner's exemption | ||
| 2023 | $38,900 | $77,800 | |
| 2022 | $1,859.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 218 Shepard St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 File median of 66 policies |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 66 in force |
| Nearby Flood Claims | 14 (1986–2022) |
| Claims Outside the SFHA | 4 of 14 |
| Most Recent Claim | Sep 2022 · 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 218 Shepard St is low, with 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 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF ZILWAUKEE serves 1,534 people · EPA ID MI0007280 |
|---|---|
| Water Source | Purchased surface water from CITY OF SAGINAW |
| Last State Inspection | Feb 2026 |
| Lead | 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 100 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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