Saginaw County property record for 224 E Ladd St, Merrill, MI 48637
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,128 sqft |
| Lot Size | 0.409 acres (17,816 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $15,000 (Jun 2014) |
| Tax Bill | $1,742 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit Nov 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-12-1-26-0468-001 |
| Primary APN | 17-12-1-26-0468-001 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,128 sqft Living Area |
| 1st Floor Area | 832 sqft |
| Lot Area | 17,816 sqft (0.409 acres) |
|---|---|
| Lot Dimensions | 141 ft deep x 186 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 224 E LADD ST |
|---|---|
| City | MERRILL |
| State | MI |
| Zip | 48637-2513 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 1 & 2 ALSO W 4 FT OF LOT 8 ALL IN BLK 70 A C MELZES ADDN VILLAGE OF MERRILL SEC 26 T12N R1E SPLIT/COMBINED ON 01/28/2020 |
| Legal Range | 01E |
| Legal Township | 12N |
| Legal Section | 26 |
| Legal Subdivision | MELZES ADDN |
| Legal Block | 70 |
| Legal Lot Number | 8 |
| Legal Unit | 8 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | JONESFIELD |
| Census Block Group | 1 |
| Census Block | 1060 |
| Census Tract | 12200 |
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 | 224 E LADD ST, MERRILL, MI 48637-2513 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 5, 2022 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Nov 5, 2021 | Deed of Trust, Mortgage · Unknown BANK OF AMERICA NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 5, 2014 · Amount on Record |
| Deed Sale | Jun 5, 2014 · Amount on Record |
| Prior Sale | Dec 30, 2013 · Amount on Record |
| Deed Document Number | 201417025 |
| Deed Book / Page | 2774 / 1613 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 224 E LADD ST, MERRILL, MI 48637-2513 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2022 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|---|
| Address | 224 E LADD ST, MERRILL, MI 48637-2513 |
| Document Number | 0000021410 |
|---|---|
| Date | Aug 5, 2022 |
| Instrument | 2022021410 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jul 9, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 224 E LADD ST, MERRILL, MI 48637-2513 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|---|
| Address | 224 E LADD ST, MERRILL, MI 48637-2513 |
| Document Number | 0000035515 |
|---|---|
| Date | Nov 5, 2021 |
| Instrument | 2021035515 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Unknown |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Aug 2, 2051 |
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | Jonesfield Township |
| Municipality | Merrill Village |
| Unified School District | Merrill Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $51,100 (+36.63%) | $102,200 (+36.63%) | |
| 2025 | $1,742.00 (+39.36%) Homeowner's exemption | ||
| 2023 | $37,400 | $74,800 | |
| 2022 | $1,250.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 29, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 95% 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 | VILLAGE OF MERRILL serves 695 people · EPA ID MI0004276 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2025 |
| Lead | Under 1 ppb (2021–2023) 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 55 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| LakeNet Fiber | 1,000 / 500 |
| Verizon Fixed Wireless | 300 / 20 |
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