3 Rust Ln, Saginaw, MI 48602 Property Records

Saginaw County property record for 3 Rust Ln, Saginaw, MI 48602

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,569 sqft · built 1950
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on Record
Last Sale	$514,800 (Nov 2025)
Tax Bill	$5,257 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Nov 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`23-12-4-28-4217-000`

Property Details

APN / Parcel Number

Primary APN	`23-12-4-28-4217-000`
Alternative APN	`124284217000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,569 sqft Living Area
1st Floor Area	2,041 sqft
Basement Area	1,472 sqft
Finished Basement	1,056 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Wood Siding
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,424 sqft (0.4 acres)
Lot Dimensions	145 ft deep x 120 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	280 sqft
Deck Area	Deck Area
Patio Area	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3 RUST LN
City	SAGINAW
State	MI
Zip	48602-1920
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 168 GOLFSIDE SEC 28 T12N R4E
Legal Range	04E
Legal Township	12N
Legal Section	28
Legal Subdivision	GOLFSIDE SUB
Legal Lot Number	168
Legal Unit	168
Jurisdiction	SAGINAW MI
Township / Civil Division	SAGINAW
Census Block Group	3
Census Block	3004
Census Tract	10501

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	6100 SHADBUSH DR, SAGINAW, MI 48603-8117
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2022	Deed of Trust, Mortgage · Line of Credit JOLT CREDIT UNION
Nov 4, 2025	Warranty Deed, Transfer · Conventional Mortgage FRANKENMUTH CU
Feb 22, 2021	Deed, Transfer CROSSROADS TITLE AGENCY
Dec 14, 2020	Deed in Lieu of Foreclosure, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2025 · Amount on Record
Deed Sale	Nov 4, 2025 · Amount on Record
Prior Sale	Feb 22, 2021 · Amount on Record
Deed Document Number	202525825
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	3 RUST LN, SAGINAW, MI 48602-1920
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 RUST LN, SAGINAW, MI 48602-1920

Mortgage

Document Number	0000018135
Date	Jun 22, 2022
Instrument	2022018135

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	May 26, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Nov 4, 2025
Property Address	3 RUST LN, SAGINAW, MI 48602-1920
Document Number	0000025825
Map Reference	LB 4 PG 49
Instrument Date	Oct 27, 2025
Instrument	2025025825
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	CROSSROADS TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,862.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3 RUST LN, SAGINAW, MI 48602-1920

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6100 SHADBUSH DR, SAGINAW, MI 48603-8117

Mortgage

Document Number	0000025826
Date	Nov 4, 2025
Instrument	2025025826

Lender

Name	FRANKENMUTH CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Nov 1, 2035

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	SAGINAW MI
Recording Date	Feb 22, 2021
Property Address	3 RUST LN, SAGINAW, MI 48602-1920
Document Number	0000005526
Map Reference	LB 4 PG 49
Instrument Date	Feb 17, 2021
Instrument	2021005526
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	CROSSROADS TITLE AGENCY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	100 E PENN SQ # SQ12TH, 100, PHILADELPHIA, PA 19107-3323

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4700 PINEHAVEN DR, SAGINAW, MI 48638-4647

December 2020: Deed in Lieu of Foreclosure, Transfer

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	SAGINAW MI
Recording Date	Dec 14, 2020
Property Address	3 RUST LN, SAGINAW, MI 48602-1920
Document Number	0000031613
Instrument Date	Nov 19, 2020
Instrument	31613
Transaction Type	Transfer
Record Updated	Dec 30, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2401 NW 23RD ST #1A1 OKLAHOMA CITY OK 731072448, 1A1, OKLAHOMA CITY, OK 73107-2448
Investor	Possibly a Property Investor

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		$149,300 (+13.36%)	$298,600 (+13.36%)
2025	$5,257.00 (+0.29%) Homeowner's exemption	$131,700 (+4.52%)	$263,400 (+4.52%)
2024	$5,242.00 (+11.2%)
2023		$126,000	$252,000
2022	$4,714.00

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

Flood

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
Community Rating System	Class 7 (15% premium discount)
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

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

Wildfire Risk	Low lower than 98% of the US · lower than 95% 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.

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 312 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

May also be available: AT&T.

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