2385 McCarty Rd, Saginaw, MI 48603 Property Records

Saginaw County property record for 2385 McCarty Rd, Saginaw, MI 48603

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,230 sqft · built 1938
Lot Size	0.57 acres (24,829 sqft)
Owner	2 Individual Names on File
Last Sale	$195,000 (Jul 2026)
Tax Bill	$4,721 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-12-4-11-1014-000`

Property Details

APN / Parcel Number

Primary APN	`23-12-4-11-1014-000`
Alternative APN	`124111014000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,230 sqft Living Area
1st Floor Area	1,326 sqft
Basement Area	910 sqft
Unfinished Basement	910 sqft

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	24,829 sqft (0.57 acres)
Lot Dimensions	276 ft deep x 90 ft wide
Garage Area	1,200 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	206 sqft
Deck Area	Deck Area
Patio Area	360 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	2385 MCCARTY RD
City	SAGINAW
State	MI
Zip	48603-2531
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	W.90 FT.OF N.309 FT. AND ALL THAT PART OF NE 1/4 LYING WEST OF HERMANSAU ROAD EXC. S 1814.3 FT ALSO EXC. THE W 561 FT OF THE
Legal Range	04E
Legal Township	12N
Legal Section	11
Jurisdiction	SAGINAW MI
Township / Civil Division	SAGINAW
Census Block Group	4
Census Block	4002
Census Tract	10304

Owner

2385 McCarty Rd is owned and occupied by two individuals who bought it in July 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	2385 MCCARTY RD, SAGINAW, MI 48603-2531
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2026 · Amount on File
Deed Sale	Jul 8, 2026 · Amount on File
Prior Sale	Jul 15, 2003 · Amount on File
Deed Document Number	202617983
Prior Transfer Date	Aug 15, 2001
Prior Transfer Doc	0007045084
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Jul 8, 2026
Property Address	2385 MCCARTY RD, SAGINAW, MI 48603-2531
Document Number	0000017983
Instrument Date	Jul 2, 2026
Instrument	202617983
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	METRO S TITLE, METRO TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$147,712.50
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	2385 MCCARTY RD, SAGINAW, MI 48603-2531

Mortgage

Document Number	0000017984,
Date	Jul 8, 2026
Instrument	202617984

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

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

Interest

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

Tax Assessment & Valuation

The 2025 property tax bill for 2385 McCarty Rd was $4,721.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	Saginaw Charter Township
Unified School District	Saginaw Township Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$120,000	$240,000
2025	$4,721.00
2023		$90,600	$181,200
2022	$3,841.00

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 2385 McCarty 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

Wildfire risk around 2385 McCarty 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 Risk	Low lower than 93% of the US · lower than 83% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF SAGINAW serves 44,058 people · EPA ID MI0005850
Water Source	Purchased surface water from SAGINAW-MIDLAND WATER SUPPLY
Last State Inspection	Feb 2024
Lead	9 ppb (2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 80 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20