280 S 3rd St, Freeland, MI 48623 Property Records

Saginaw County property record for 280 S 3rd St, Freeland, MI 48623

Property Summary

Property Type	Single Family Home
Details	8 bd · 2 ba · 3,444 sqft · built 1970
Lot Size	0.34 acres (14,810 sqft)
Owner	Individual Name on File
Last Sale	$192,500 (Jan 2020)
Tax Bill	$4,501 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-13-3-21-1015-000`

Property Details

APN / Parcel Number

Primary APN	`29-13-3-21-1015-000`

Interior

Bedrooms	8 Beds
Full Baths	2 Baths
Building Area	3,444 sqft Living Area
1st Floor Area	2,094 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,810 sqft (0.34 acres)
Lot Dimensions	122 ft deep x 120 ft wide
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	24 sqft
Deck Area	Deck Area
Patio Area	312 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	280 S 3RD ST
City	FREELAND
State	MI
Zip	48623-2517
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	E 1/2 OF FOLLOW.DESC- COM AT A PT 189.75 FT OF S OF SW COR OF CHURCH & THIRD STS RUN TH S 120 FT TH W 245 FT TO E LINE OF
Legal Range	03E
Legal Township	13N
Legal Section	21
Legal Subdivision	NW4 OF THE NW4 S21T13NR03E
Jurisdiction	SAGINAW MI
Township / Civil Division	TITTABAWASSEE
Census Block Group	1
Census Block	1078
Census Tract	10101

Owner

280 S 3rd St is owned and occupied by an individual who bought it in January 2020.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 367, FREELAND, MI 48623-0367
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 28, 2021	Deed of Trust, Mortgage · FHA Mortgage ACADEMY MORTGAGE CORP
Jan 30, 2020	Warranty Deed, Transfer · FHA Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 30, 2020 · Amount on File
Deed Sale	Jan 30, 2020 · Amount on File
Prior Sale	Sep 4, 2012 · Amount on File
Deed Document Number	20202308
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	280 S 3RD ST, FREELAND, MI 48623-2517
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	280 S 3RD ST, FREELAND, MI 48623-2517

Mortgage

Document Number	2021016433
Date	Apr 28, 2021
Instrument	2021016433

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Jan 30, 2020
Property Address	280 S 3RD ST, FREELAND, MI 48623-2517
Document Number	2020002308
Instrument Date	Jan 28, 2020
Instrument	2020002308
Transaction Type	Transfer
Record Updated	Sep 2, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	201 N DEWITT ST, BAY CITY, MI 48706-4507

Mortgage

Document Number	0000002309
Date	Jan 30, 2020
Instrument	2020002309

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 280 S 3rd St was $4,501 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	Tittabawassee Township
Unified School District	Freeland Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$163,000	$326,000
2025	$4,501.00 Homeowner's exemption
2023		$109,000	$218,000
2022	$3,809.00

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

Flood

FEMA maps place 280 S 3rd St in Zone X, an area of minimal flood risk.

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

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

The area around 280 S 3rd St 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.

Drinking Water

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

Water System	TITTABAWASSEE TOWNSHIP serves 9,227 people · EPA ID MI0002470
Water Source	Purchased surface water from CITY OF SAGINAW
Last State Inspection	Jul 2025
Lead	2 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2018
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	1 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 196 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: LakeNet.

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