2492 W Willard Rd, Clio, MI 48420 Property Records

Saginaw County property record for 2492 W Willard Rd, Clio, MI 48420

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,209 sqft · built 1920
Lot Size	1.34 acres (58,719 sqft)
Owner	2 Individual Names on File
Last Sale	$239,000 (Jan 2026)
Tax Bill	$2,234 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Jan 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`05-10-6-35-3116-000`

Property Details

APN / Parcel Number

Primary APN	`05-10-6-35-3116-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,209 sqft Living Area
1st Floor Area	1,092 sqft
Basement Area	468 sqft
Unfinished Basement	468 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Multi-Family
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	58,719 sqft (1.34 acres)
Garage Area	960 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	96 sqft
Deck Area	Deck Area
Patio Area	184 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2492 W WILLARD RD
City	CLIO
State	MI
Zip	48420-7802
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	COM AT SW CORN OF LOT 16 KINGS SUB TH N0DEG 25MIN W ON W LINE OF SAID LOT 348.39 FT TH S51DEG 32MIN 38SECONDS E 291.78 FT TH
Legal Range	06E
Legal Township	10N
Legal Section	35
Legal Subdivision	KINGS SUBDIVISION
Legal Lot Number	16
Legal Unit	16,348
Jurisdiction	SAGINAW MI
Township / Civil Division	BIRCH RUN
Census Block Group	3
Census Block	3015
Census Tract	13100

Owner

2492 W Willard Rd is owned and occupied by two individuals who bought it in January 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	2492 W WILLARD RD, CLIO, MI 48420-7802
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Date	Document
Dec 31, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNITED MORTGAGE LENDING LLC
Jan 12, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED MORTGAGE LENDING LLC
Jan 14, 2026	Intrafamily Transfer, Transfer UNKNOWN, COLONIAL TITLE COMPANY
Nov 14, 2022	Intrafamily Transfer, Transfer · Stand-Alone Second Mortgage FRANKENMUTH CU
Apr 21, 2020	Deed of Trust, Mortgage FRANKENMUTH CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 12, 2026 · Amount on File
Deed Sale	Jan 12, 2026 · Amount on File
Prior Sale	Nov 19, 2024 · Amount on File
Deed Document Number	2026670
Prior Transfer Date	Jul 26, 2016
Prior Transfer Doc	0000020818
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	2492 W WILLARD RD, CLIO, MI 48420-7802
Transaction Type	Mortgage
Record Updated	Jan 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 LEECE RD, ORTONVILLE, MI 48462-8503

Mortgage

Document Number	0000029745
Date	Dec 31, 2025
Instrument	2025029745

Lender

Name	UNITED MORTGAGE LENDING LLC
Type	Mortgage Company
Address	999 W BIG BEAVER RD # 33, TROY, MI 48084

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Jan 12, 2026
Property Address	2492 W WILLARD RD, CLIO, MI 48420-7802
Document Number	0000000670
Map Reference	LB 6 PG 13
Instrument Date	Dec 30, 2025
Instrument	2026000670
Transaction Type	Transfer
Record Updated	Jan 22, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,792.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2492 W WILLARD RD, CLIO, MI 48420-7802

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 LEECE RD, ORTONVILLE, MI 48462-8503

Mortgage

Document Number	2025029745
Date	Jan 12, 2026
Instrument	2025029745

Lender

Name	UNITED MORTGAGE LENDING LLC
Type	Mortgage Company

Agreement

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

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAGINAW MI
Recording Date	Jan 14, 2026
Property Address	2492 W WILLARD RD, CLIO, MI 48420-7802
Document Number	0000000960
Map Reference	LB 6 PG 13
Instrument Date	Dec 30, 2025
Instrument	2026000960
Transaction Type	Transfer
Record Updated	Jan 26, 2026
Title Company	UNKNOWN, COLONIAL TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2492 W WILLARD RD, CLIO, MI 48420-7802

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2492 W WILLARD RD, CLIO, MI 48420-7802

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAGINAW MI
Recording Date	Nov 14, 2022
Property Address	2492 W WILLARD RD, CLIO, MI 48420-7802
Document Number	0000029302
Map Reference	LB 6 PG 13
Instrument Date	Nov 4, 2022
Instrument	2022029302
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	MICHIGAN TRUSTED TITLE AGENCY, MICHIGAN TRUSTED TITLE AGCY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2492 W WILLARD RD, 2492, CLIO, MI 48420-7802

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2492 W WILLARD RD, CLIO, MI 48420-7802

Mortgage

Document Number	0000029303
Date	Nov 14, 2022
Instrument	2022029303

Lender

Name	FRANKENMUTH CU
Type	Credit Union

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2037

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	2492 W WILLARD RD, CLIO, MI 48420-7802
Document Number	0000012125
Instrument Date	Apr 21, 2020
Transaction Type	Mortgage
Record Updated	Jul 7, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2492 W WILLARD RD CLIO MI 484207802, CLIO, MI 48420-7802

Mortgage

Document Number	0000012125
Date	Apr 30, 2020
Instrument	12125

Lender

Name	FRANKENMUTH CU
Type	Credit Union
Address	FRANKENMUTH, MI 48734

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 29, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2492 W Willard Rd was $2,234 with a homeowner's exemption, up 45.2% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	Birch Run Township
Unified School District	Birch Run Area School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$71,700 (+10.99%)	$143,400 (+10.99%)
2025	$2,234.00 (+45.16%) Homeowner's exemption	$64,600	$129,200
2024	$1,539.00
2023		$53,800	$107,600
2022	$1,341.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 2492 W Willard 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 2492 W Willard 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 99.1% of the US · lower than 98.4% of Michigan
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Cable	1,000 / 50

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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