272 N Thomas Rd, Saginaw, MI 48609 Property Records

Saginaw County property record for 272 N Thomas Rd, Saginaw, MI 48609

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,370 sqft · built 2004
Lot Size	16.5 acres (720,482 sqft)
Owner	2 Individual Names on Record
Last Sale	$430,000 (Jul 2024)
Tax Bill	$7,582 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-12-3-27-2013-004`

Property Details

APN / Parcel Number

Primary APN	`28-12-3-27-2013-004`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,370 sqft Living Area
1st Floor Area	960 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	720,482 sqft (16.5 acres)
Garage Area	900 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	16 sqft
Deck Area	Deck Area
Patio Area	224 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Storm Sewer

Location & Zoning

Street Address	272 N THOMAS RD
City	SAGINAW
State	MI
Zip	48609-9556
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	COM AT W 1/4 CORN OF SEC TH N 652.57 FT TO POB TH CONT N 244.57 FT TH E 324 FT TH N 408 FT TH E 985.80 FT TH S 651.26 FT TH W
Legal Range	03E
Legal Township	12N
Legal Section	27
Jurisdiction	SAGINAW MI
Township / Civil Division	THOMAS
Census Block Group	3
Census Block	3016
Census Tract	12003

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	272 N THOMAS RD, SAGINAW, MI 48609-9556
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2025	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jun 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage JOLT CREDIT UNION
Nov 1, 2021

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2024 · Amount on Record
Deed Sale	Jul 12, 2024 · Amount on Record
Prior Sale	Nov 15, 2010 · Amount on Record
Deed Document Number	202416441
Prior Transfer Date	Oct 13, 2021
Prior Transfer Doc	0000034827
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	272 N THOMAS RD, SAGINAW, MI 48609-9556
Transaction Type	Mortgage
Record Updated	Nov 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	272 N THOMAS RD, SAGINAW, MI 48609-9556

Mortgage

Document Number	0000026069
Date	Nov 6, 2025
Instrument	2025026069

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	1400 FORUM BLVD STE 18, COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	272 N THOMAS RD, SAGINAW, MI 48609-9556
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	272 N THOMAS RD, SAGINAW, MI 48609-9556

Mortgage

Document Number	0000022915
Date	Jun 30, 2021
Instrument	2021022915

Lender

Name	JOLT CREDIT UNION
Type	Credit Union
Address	SAGINAW, MI 48603

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jul 1, 2031

November 2021:

Jurisdiction	SAGINAW MI
Recording Date	Nov 1, 2021
Property Address	272 N THOMAS RD, SAGINAW, MI 48609-9556
Document Number	0000034827
Instrument Date	Oct 13, 2021
Instrument	2021034827
Record Updated	Aug 12, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	272 N THOMAS RD, SAGINAW, MI 48609-9556

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	Thomas Township
Unified School District	Hemlock Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$207,600 (+27.75%)	$415,200 (+27.75%)
2025	$7,582.00 (+64.79%) Homeowner's exemption
2023		$162,500	$325,000
2022	$4,601.00

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

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1986)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 1986 · Severe Storms & Flooding

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

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

Wildfire Risk	Low lower than 94% of the US · lower than 85% 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	THOMAS TOWNSHIP serves 11,931 people · EPA ID MI0006580
Water Source	Purchased surface water from CITY OF SAGINAW
Last State Inspection	Jul 2023
Lead	2 ppb (2024) 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 74 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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