Saginaw County property record for 302 Pine St, Saint Charles, MI 48655
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,237 sqft · built 1900 |
| Lot Size | 0.152 acres (6,621 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $55,000 (Feb 2004) |
| Tax Bill | $1,992 (2025) |
| Deeds & Mortgages | Jul 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-10-3-05-0308-000 |
| Primary APN | 24-10-3-05-0308-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,237 sqft Living Area |
| 1st Floor Area | 1,237 sqft |
| Basement Area | 401 sqft |
| Unfinished Basement | 401 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 6,621 sqft (0.152 acres) |
| Lot Dimensions | 100 ft deep x 66 ft wide |
| Garage Area | 575 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 115 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 302 PINE ST |
|---|---|
| City | SAINT CHARLES |
| State | MI |
| Zip | 48655-1236 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 4 EXC NW LY 86.5 FT BLK 83 VILLAGE OF ST CHARLES SEC 05 T10N R3E |
| Legal Range | 03E |
| Legal Township | 10N |
| Legal Section | 05 |
| Legal Subdivision | VILLAGE OF ST CHARLES |
| Legal Block | 83 |
| Legal Lot Number | 4 |
| Legal Unit | 4 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 12600 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 302 PINE ST, SAINT CHARLES, MI 48655-1236 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 6, 2004 · Amount on Record |
| Deed Sale | Feb 6, 2004 · Amount on Record |
| Deed Document Number | 20047184977 |
| Deed Book / Page | 2267 / 677 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 302 PINE ST, SAINT CHARLES, MI 48655-1236 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000019269 |
|---|---|
| Date | Jul 12, 2018 |
| Instrument | 2018019269 |
| Name | STATE BANK |
|---|
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 157 Months |
| Due | Aug 1, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.6% |
| Type Change Date | Apr 1, 2028 |
| Index | 1-Year CMT |
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | St. Charles Township |
| Municipality | St. Charles Village |
| Unified School District | St. Charles Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $57,300 (+25.93%) | $114,600 (+25.93%) | |
| 2025 | $1,992.00 (+97.03%) Homeowner's exemption | ||
| 2023 | $45,500 | $91,000 | |
| 2022 | $1,011.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 22 policies |
| Nearby Flood Policies | 22 in force |
| Nearby Flood Claims | 7 (1986–2026) |
| Claims Outside the SFHA | 1 of 7 |
| Most Recent Claim | Apr 2026 |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | VILLAGE OF ST. CHARLES serves 2,054 people · EPA ID MI0006260 |
|---|---|
| Water Source | Purchased surface water from CITY OF SAGINAW |
| Last State Inspection | Jul 2024 |
| Lead | 3 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| 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.
Source: FCC Broadband Data Collection, based on 186 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 |
May also be available: T-Mobile.
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