22550 W Ferden Rd, Bannister, MI 48807 Property Records

Saginaw County property record for 22550 W Ferden Rd, Bannister, MI 48807

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,924 sqft · built 2003
Lot Size	2.25 acres (98,010 sqft)
Owner	2 Individual Names on File
Last Sale	$420,000 (Apr 2026)
Tax Bill	$4,438 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Jul 2020 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`12-09-1-21-3001-004`

Property Details

APN / Parcel Number

Primary APN	`12-09-1-21-3001-004`

Interior

Full Baths	2 Baths
Building Area	1,924 sqft Living Area
1st Floor Area	1,924 sqft
Basement Area	1,924 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Raised Ranch
Lot Area	98,010 sqft (2.25 acres)
Garage Area	1,040 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	22550 W FERDEN RD
City	BANNISTER
State	MI
Zip	48807-9313
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 281 FT OF E 427 FT OF S 350 FT OF E 1/2 OF SW 1/4 2.25 ACRES SEC 21 T9N R1E ***SPLIT FROM PARENTS 3001-001 & 3001-002
Legal Range	01E
Legal Township	09N
Legal Section	21
Jurisdiction	SAGINAW MI
Township / Civil Division	CHAPIN
Census Block Group	2
Census Block	2035
Census Tract	12500

Owner

22550 W Ferden Rd is owned and occupied by two individuals who bought it in April 2026.

Source: Saginaw County records, as of August 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	8348 E MAPLE RAPIDS RD, ELSIE, MI 48831-9617
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2026	Warranty Deed, Transfer · Conventional Mortgage NATIONAL HOME MORTGAGE CORPORATION
Jul 23, 2020	Quit Claim Deed, Transfer LIBERTY TITLE
Aug 5, 2019	Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN ST UNIV FCU
Jul 15, 2020	Quit Claim Deed, Transfer · Conventional Mortgage MICHIGAN STATE UNIVERSITY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2026 · Amount on File
Deed Sale	Apr 30, 2026 · Amount on File
Prior Sale	Dec 18, 2014 · Amount on File
Deed Document Number	202612002
Prior Transfer Date	Jun 29, 2020
Prior Transfer Doc	0000018265
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Apr 30, 2026
Property Address	22550 W FERDEN RD, BANNISTER, MI 48807-9313
Document Number	0000012002
Instrument Date	Apr 24, 2026
Instrument	2026.12002
Transaction Type	Transfer
Record Updated	May 14, 2026
Title Company	DREAM TITLE AND ESCROW AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$318,150.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8348 E MAPLE RAPIDS RD, ELSIE, MI 48831-9617

Mortgage

Document Number	0000012055,
Date	Apr 30, 2026
Instrument	2026..12055

Lender

Name	NATIONAL HOME MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAGINAW MI
Recording Date	Jul 23, 2020
Property Address	22550 W FERDEN RD, BANNISTER, MI 48807-9313
Document Number	0000018265
Instrument Date	Jun 29, 2020
Instrument	18265
Transaction Type	Transfer
Record Updated	Sep 7, 2020
Title Company	LIBERTY TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22550 W FERDEN RD BANNISTER MI 488079313, BANNISTER, MI 48807-9313

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	22550 W FERDEN RD, BANNISTER, MI 48807-9313
Document Number	0000020074
Instrument Date	Aug 5, 2019
Transaction Type	Mortgage
Record Updated	Aug 19, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	22550 W FERDEN RD BANNISTER MI 488079313, BANNISTER, MI 48807-9313

Mortgage

Document Number	0000020074
Date	Aug 9, 2019
Instrument	20074

Lender

Name	MICHIGAN ST UNIV FCU
Type	Credit Union
Address	EAST LANSING, MI 48823

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Aug 8, 2024

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAGINAW MI
Recording Date	Jul 15, 2020
Property Address	22550 W FERDEN RD, BANNISTER, MI 48807-9313
Document Number	2020017591
Instrument Date	Sep 13, 2017
Instrument	2020017591
Transaction Type	Transfer
Record Updated	Sep 2, 2021

Transaction

Amount	Amount on Record
Tax	$18.75
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1200 S SWEGLES ST, 1200, SAINT JOHNS, MI 48879-2300

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22550 W FERDEN RD, BANNISTER, MI 48807-9313

Mortgage

Document Number	2020017592
Date	Jul 15, 2020
Instrument	2020017592

Lender

Name	MICHIGAN STATE UNIVERSITY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Mortgage

Document Number	0000017593
Date	Jul 15, 2020
Instrument	2020017593

Lender

Name	MICHIGAN STATE UNIVERSITY FCU
Type	Credit Union
Address	EAST LANSING, MI 48823

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 22550 W Ferden Rd was $4,438 with a homeowner's exemption.

Source: Saginaw County assessment roll, as of August 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	Chapin Township
Unified School District	Ovid-Elsie Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$167,800 (+13.92%)	$335,600 (+13.92%)
2025	$4,438.00 Homeowner's exemption	$147,300	$294,600
2023		$152,100 (+1.4%)	$304,200 (+1.4%)
2022	$3,705.00 (-31.08%) Homeowner's exemption	$150,000	$300,000
2021	$5,376.00

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

FEMA maps place 22550 W Ferden Rd in Zone X, an area of minimal flood risk.

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.

Wildfire

The area around 22550 W Ferden Rd has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
CMS Internet Fixed Wireless	200 / 30

May also be available: Point Broadband.

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