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2385 Lone Rd, Freeland, MI 48623 Property Records

Saginaw County property record for 2385 Lone Rd, Freeland, MI 48623

Property Summary

Property TypeSingle Family Home
Details1 ba · 1,546 sqft · built 1940
Lot Size1.41 acres (61,681 sqft)
Owner2 Individual Names on File
Last Sale$138,000 (Jul 2020)
Tax Bill$3,852 (2025)
Deeds & MortgagesJul 2020 Sale & Mortgage
Nov 2019 Sale
Flood ZoneZone X (minimal risk)
APN28-12-3-16-2005-002

Property Details

APN / Parcel Number

Primary APN28-12-3-16-2005-002

Interior

Full Baths1 Bath
Total Rooms4 Rooms
Stories1 Story
Building Area1,546 sqft Living Area
1st Floor Area1,546 sqft

Exterior

Year BuiltBuilt 1940
Effective Year BuiltEffective 1940
Exterior MaterialBlock
Roof TypeGable
Roof MaterialAsphalt
Lot Area61,681 sqft (1.41 acres)
Lot Dimensions310 ft deep x 199 ft wide
Garage Area576 sqft
Parking Spaces2 Parking Spaces
PorchCovered Porch
Porch Area720 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Street Address2385 LONE RD
CityFREELAND
StateMI
Zip48623-8879
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeA-1
Legal DescriptionCOM AT S 1/4 CORN OF SEC TH N 1951.24 FT TO POB TH CONT N 199.08 FT TH W 310.08 FT TH S 199.64 FT TH E 310.07 FT TO POB 1.41
Legal Range03E
Legal Township12N
Legal Section16
Legal SubdivisionS4 CORNER OF S16T12NR3E
JurisdictionSAGINAW MI
Township / Civil DivisionTHOMAS
Census Block Group2
Census Block2017
Census Tract12002

Owner

2385 Lone Rd is owned and occupied by two individuals who bought it in July 2020.

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

Owner of Record2 Individual Names on File
Mailing Address2385 LONE RD, FREELAND, MI 48623-8879
OccupancyOwner Occupied
Owner TypeIndividual

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

Deeds, Mortgages & Sale History

DateDocument
Jul 20, 2020Warranty Deed, Transfer · Conventional Mortgage
HEALTH ADVANTAGE FCU
Nov 25, 2019Warranty Deed, Transfer
NOT AVAILABLE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 20, 2020 · Amount on File
Deed SaleJul 20, 2020 · Amount on File
Prior SaleNov 25, 2019 · Amount on File
Deed Document Number202017900
Prior Transfer DateJun 24, 2011
Prior Transfer Doc0000020727
Record UpdatedOct 29, 2026

July 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSAGINAW MI
Recording DateJul 20, 2020
Property Address2385 LONE RD, FREELAND, MI 48623-8879
Document Number0000017900
Instrument DateJul 17, 2020
Instrument17900
Transaction TypeTransfer
Record UpdatedSep 2, 2020
Title CompanyOTHER

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$138.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address104 W STARK DR SAGINAW MI 486099464, SAGINAW, MI 48609-9464

Mortgage

Document Number17901
DateJul 20, 2020
Instrument17901
Lender
NameHEALTH ADVANTAGE FCU
AddressSAGINAW, MI 48608
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term240 Months
DueJul 19, 2040

November 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSAGINAW MI
Recording DateNov 25, 2019
Property Address2385 LONE RD, FREELAND, MI 48623-8879
Document Number0000028916
Instrument DateNov 13, 2019
Instrument28916
Transaction TypeTransfer
Record UpdatedDec 12, 2019
Title CompanyNOT AVAILABLE

Transaction

AmountAmount on Record
Tax$135.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address2430 LONE RD FREELAND MI 486238879, FREELAND, MI 48623-8879

Tax Assessment & Valuation

The 2025 property tax bill for 2385 Lone Rd was $3,852 with a homeowner's exemption.

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

Property Jurisdictions

TypeName
StateMichigan
CountySaginaw County
County SubdivisionThomas Township
Unified School DistrictHemlock Public School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$135,700$271,400
2025$3,852.00 Homeowner's exemption
2023$95,800$191,600
2022$3,214.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2385 Lone Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.

Source: FEMA National Flood Hazard Layer, effective March 29, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims1 (2014)
Claims Outside the SFHA1 of 1
Most Recent ClaimSep 2014 · rainfall accumulation

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

Wildfire risk around 2385 Lone Rd is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 99.1% of the US · lower than 98.4% of Michigan
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 20 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
T-Mobile
Fixed Wireless		100 / 20

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