3065 State St, Saginaw, MI 48602 Property Records

Saginaw County property record for 3065 State St, Saginaw, MI 48602

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,288 sqft · built 1940
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on File
Last Sale	$65,000 (Aug 2023)
Tax Bill	$3,071 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Aug 2020 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`92-00-3-04-3000-000`

Property Details

APN / Parcel Number

Primary APN	`92-00-3-04-3000-000`
Alternative APN	`20 3043 00000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,288 sqft Living Area
1st Floor Area	647 sqft
Basement Area	641 sqft
Unfinished Basement	641 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Combination
Roof Material	Asphalt
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	153 ft deep x 52 ft wide
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Covered Porch
Porch Area	12 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3065 STATE ST
City	SAGINAW
State	MI
Zip	48602-3654
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	E.52 FT.OF N.153.5 FT.OF E.1/2 OF E.1/2 OF W.1/2 OF N.W.1/4 OF N.E.1/4 OF SEC.22,T.12,N.R.4,E. LYING S.OF STATE STREET
Legal Range	4E
Legal Township	12N
Legal Section	22
Jurisdiction	SAGINAW MI
Township / Civil Division	SAGINAW
Census Block Group	2
Census Block	2001
Census Tract	2100

Owner

3065 State St is owned by two individuals who bought it in August 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	22968 LONE OAK DR, ESTERO, FL 33928-4328
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
Aug 18, 2023	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU
Aug 3, 2020	Deed of Trust, Mortgage · Line of Credit ISABELLA BK
Jan 26, 2018	Deed of Trust, Mortgage · Line of Credit ISABELLA BK
Jan 26, 2018	Loan Modification, Mortgage · Conventional Mortgage ISABELLA BK
Jul 7, 2017	Grant Deed, Transfer DIVERSIFIED NATIONAL TITLE, DIVERSIFIED NAT'L TITLE
Jan 27, 2017	Warranty Deed, Foreclosure SERVICELINK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2023 · Amount on File
Deed Sale	Aug 18, 2023 · Amount on File
Prior Sale	Jul 7, 2017 · Amount on File
Deed Document Number	202318569
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Aug 18, 2023
Property Address	3065 STATE ST, SAGINAW, MI 48602-3654
Document Number	0000018569
Instrument Date	Aug 17, 2023
Instrument	2023018569
Transaction Type	Transfer
Record Updated	Sep 5, 2023
Title Company	DIVERSIFIED NATIONAL TITLE AGENCY, DIVERSIFIED NATL TTL AGCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$487.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 5457, SAGINAW, MI 48603-0457

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22968 LONE OAK DR, ESTERO, FL 33928-4328

Mortgage

Document Number	0000018570
Date	Aug 18, 2023
Instrument	2023018570

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	3065 STATE ST, SAGINAW, MI 48602-3654
Document Number	0000020547
Instrument Date	Aug 3, 2020
Transaction Type	Mortgage
Record Updated	Sep 22, 2020
Title Company	MASON BURGESS TITLE AGENCY, MASON BURGESS TITLE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3766 NUGGET CREEK CT SAGINAW MI 486031284, SAGINAW, MI 48603-1284

Mortgage

Document Number	0000020547
Date	Aug 19, 2020
Instrument	20547

Lender

Name	ISABELLA BK
Type	Bank
Address	MIDLAND, MI 48640

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	3065 STATE ST, SAGINAW, MI 48602-3654
Document Number	0000003033
Instrument Date	Jan 26, 2018
Transaction Type	Mortgage
Record Updated	Feb 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3766 NUGGET CREEK CT SAGINAW MI 486031284, SAGINAW, MI 48603-1284

Mortgage

Document Number	0000003033
Date	Feb 9, 2018
Instrument	3033

Lender

Name	ISABELLA BK
Type	Bank
Address	MOUNT PLEASANT, MI 48804-0100

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

January 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAGINAW MI
Property Address	3065 STATE ST, SAGINAW, MI 48602-3654
Document Number	0000018659
Instrument Date	Jan 26, 2018
Transaction Type	Mortgage
Record Updated	Sep 4, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3766 NUGGET CREEK CT SAGINAW MI 486031284, SAGINAW, MI 48603-1284

Mortgage

Document Number	0000018659
Date	Jul 28, 2020
Instrument	18659

Lender

Name	ISABELLA BK
Type	Bank
Address	MOUNT PLEASANT, MI 48804-0100

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAGINAW MI
Recording Date	Jul 7, 2017
Property Address	3065 STATE ST, SAGINAW, MI 48602-3654
Document Number	0000020459
Instrument Date	Jun 29, 2017
Instrument	20459
Transaction Type	Transfer
Record Updated	Jul 17, 2017
Title Company	DIVERSIFIED NATIONAL TITLE, DIVERSIFIED NAT'L TITLE

Transaction

Amount	Amount on Record
Tax	$23.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3766 NUGGET CREEK CT SAGINAW MI 486031284, SAGINAW, MI 48603-1284

January 2017: Warranty Deed, Foreclosure

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Jan 27, 2017
Property Address	3065 STATE ST, SAGINAW, MI 48602-3654
Document Number	0000002272
Book / Page	002887 / 002086
Instrument Date	Jun 9, 2016
Instrument	2272
Transaction Type	Foreclosure
Record Updated	Feb 7, 2017
Title Company	SERVICELINK

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 3065 State St was $3,071.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
Municipality	Saginaw City
Unified School District	Saginaw City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$45,500	$91,000
2025	$3,071.00
2023		$37,400 (+16.15%)	$74,800 (+16.15%)
2022	$1,997.00	$32,200	$64,400

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

FEMA maps place 3065 State St in Zone X, an area of minimal flood risk.

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

The area around 3065 State 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	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 632 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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