Saginaw County property record for 225 Jay St, Saint Charles, MI 48655
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,456 sqft · built 1925 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $85,000 (Nov 2023) |
| Tax Bill | $2,780 (2025) |
| Deeds & Mortgages | Nov 2023 Sale & Mortgage Mar 2023 Foreclosure + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-10-3-05-0925-000 |
| Primary APN | 24-10-3-05-0925-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,456 sqft Living Area |
| 1st Floor Area | 1,010 sqft |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| 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 | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 72 sqft |
| Deck Area | Deck Area |
| Patio Area | 229 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 225 JAY ST |
|---|---|
| City | SAINT CHARLES |
| State | MI |
| Zip | 48655-1737 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 1 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 | 1,15,5 |
| Legal Lot Number | 1 |
| Legal Unit | 1 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 12600 |
225 Jay St is owned and occupied by an individual who bought it in November 2023.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 225 JAY ST, SAINT CHARLES, MI 48655-1737 |
| 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.
| Date | Document |
|---|---|
| Nov 7, 2023 | Warranty Deed, Transfer · USDA Mortgage CASON HOME LOANS |
| Mar 22, 2023 | Sheriff's Deed, Foreclosure |
| Feb 24, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 7, 2023 · Amount on File |
| Deed Sale | Nov 7, 2023 · Amount on File |
| Prior Sale | Mar 22, 2023 · Amount on File |
| Deed Document Number | 202324352 |
| Prior Transfer Date | Feb 17, 2023 |
| Prior Transfer Doc | 0000003481 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Nov 7, 2023 |
| Property Address | 225 JAY ST, SAINT CHARLES, MI 48655-1737 |
| Document Number | 0000024352 |
| Map Reference | LB 76 PG 5 |
| Instrument Date | Oct 30, 2023 |
| Instrument | 2023024352 |
| Transaction Type | Transfer |
| Record Updated | Nov 22, 2023 |
| Title Company | CHICAGO TITLE OF MICHIGAN |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $637.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 620 BROAD ST STE 104, 104, SAINT JOSEPH, MI 49085-1255 |
| Name | Verified Name |
|---|---|
| Address | 225 JAY ST, SAINT CHARLES, MI 48655-1737 |
| Document Number | 0000024351 |
|---|---|
| Date | Nov 7, 2023 |
| Instrument | 2023024351 |
| Name | CASON HOME LOANS |
|---|---|
| Type | Mortgage Company |
| Address | NORTH PALM BEACH, FL 33408 |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2053 |
| Document Type | Sheriff's Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Mar 22, 2023 |
| Property Address | 225 JAY ST, SAINT CHARLES, MI 48655-1737 |
| Document Number | 0000005253 |
| Map Reference | LB 76 PG 5 |
| Instrument Date | Feb 24, 2023 |
| Instrument | 2023005253 |
| Transaction Type | Foreclosure |
| Record Updated | May 1, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 66827, SAINT LOUIS, MO 63166-6827 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Feb 24, 2023 |
| Property Address | 225 JAY ST, SAINT CHARLES, MI 48655-1737 |
| Document Number | 0000003481 |
| Map Reference | LB 76 PG 5 |
| Instrument Date | Feb 22, 2023 |
| Instrument | 2023003481 |
| Transaction Type | Transfer |
| Record Updated | May 1, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $56.25 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1410 E JOHNSTONE RD, OWOSSO, MI 48867-9501 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 81, SAINT JOSEPH, MI 49085-0081 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 225 Jay St was $2,780 with a homeowner's exemption, up 1.5% from the year before.
Source: Saginaw County assessment roll, as of August 21, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $58,000 (+10.27%) | $116,000 (+10.27%) | |
| 2025 | $2,780.00 (+1.46%) Homeowner's exemption | $52,600 | $105,200 |
| 2024 | $2,740.00 | ||
| 2023 | $46,400 (+17.77%) | $92,800 (+17.77%) | |
| 2022 | $1,656.00 (-25.1%) | $39,400 | $78,800 |
| 2021 | $2,211.00 |
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.
FEMA maps place 225 Jay St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 File 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 |
|
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 225 Jay 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 | 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 |
| 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.
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 |
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