2815 Clairmount Dr, Saginaw, MI 48603 Property Records

Saginaw County property record for 2815 Clairmount Dr, Saginaw, MI 48603

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,079 sqft · built 1965
Lot Size	0.262 acres (11,413 sqft)
Owner	2 Individual Names on Record
Last Sale	$121,000 (Aug 2011)
Tax Bill	$3,645 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23-12-4-15-2324-000`

Property Details

APN / Parcel Number

Primary APN	`23-12-4-15-2324-000`
Alternative APN	`124152324000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,079 sqft Living Area
1st Floor Area	2,079 sqft
Basement Area	1,035 sqft
Finished Basement	1,035 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Exterior Material	Brick
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,413 sqft (0.262 acres)
Lot Dimensions	124 ft deep x 92 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	288 sqft
Patio Area	440 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2815 CLAIRMOUNT DR
City	SAGINAW
State	MI
Zip	48603-3102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 24 RIDGEDALE HAMLET SEC 15 T12N R4E
Legal Range	04E
Legal Township	12N
Legal Section	15
Legal Subdivision	RIDGEDALE HAMLET
Legal Lot Number	24
Legal Unit	24
Jurisdiction	SAGINAW MI
Township / Civil Division	SAGINAW
Census Block Group	2
Census Block	2006
Census Tract	10401

Owner

Source: Saginaw County records, as of September 9, 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	2815 CLAIRMOUNT DR, SAGINAW, MI 48603-3102
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2026	Deed of Trust, Mortgage · Line of Credit WILDFIRE CREDIT UNION
Jan 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage INDEPENDENT BANK
Oct 9, 2017	Warranty Deed, Transfer · Conventional Mortgage INDEPENDENT BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2011 · Amount on Record
Deed Sale	Aug 3, 2011 · Amount on Record
Prior Sale	Nov 8, 1999
Deed Document Number	201122102
Deed Book / Page	2630 / 1523
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Recording Date	Aug 31, 2026
Property Address	2815 CLAIRMOUNT DR, SAGINAW, MI 48603-3102
Document Number	0000022153
Instrument Date	Aug 26, 2026
Instrument	202622153
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2815 CLAIRMOUNT DR, SAGINAW, MI 48603-3102

Mortgage

Document Number	0000022153,
Date	Aug 31, 2026
Instrument	202622153

Lender

Name	WILDFIRE CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 26, 2051

Interest

Max Rate	-1%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	2815 CLAIRMOUNT DR, SAGINAW, MI 48603-3102
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ABSTRACT TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2815 CLAIRMOUNT DR, SAGINAW, MI 48603-3102

Mortgage

Document Number	0000001681
Date	Jan 14, 2021
Instrument	2021001681

Lender

Name	INDEPENDENT BANK
Type	Bank
Address	GRAND RAPIDS, MI 49525

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2036

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Oct 9, 2017
Property Address	2815 CLAIRMOUNT DR, SAGINAW, MI 48603-3102
Document Number	0000027746
Instrument Date	Sep 29, 2017
Instrument	27746
Transaction Type	Transfer
Record Updated	Aug 25, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$131.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2815 CLAIRMOUNT DR SAGINAW MI 486033102, SAGINAW, MI 48603-3102

Mortgage

Document Number	27747
Date	Oct 9, 2017
Instrument	27747

Lender

Name	INDEPENDENT BK
Type	Bank
Address	GRAND RAPIDS, MI 49525

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 8, 2047

Mortgage

Document Number	27748,
Date	Oct 9, 2017
Instrument	27748

Lender

Name	INDEPENDENT BK
Type	Bank
Address	GRAND RAPIDS, MI 49525

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 8, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.62%

Tax Assessment & Valuation

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		$135,800 (+32.62%)	$271,600 (+32.62%)
2025	$3,645.00 (+19.16%) Homeowner's exemption
2023		$102,400	$204,800
2022	$3,059.00

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

Flood

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

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	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 299 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
AT&T DSL	100 / 20

May also be available: Ripple Fiber, T-Mobile.

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