Saginaw County property record for 3151 Ray St, Saginaw, MI 48601
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 816 sqft · built 1935 |
| Lot Size | 0.136 acres (5,924 sqft) |
| Owner | Trust Name on File |
| Last Sale | $16,000 (May 2024) |
| Tax Bill | $1,189 (2025) |
| Deeds & Mortgages | Feb 2024 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-12-5-31-4116-000 |
| Primary APN | 10-12-5-31-4116-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 816 sqft Living Area |
| 1st Floor Area | 816 sqft |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1935 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,924 sqft (0.136 acres) |
| Lot Dimensions | 100 ft deep x 59 ft wide |
| Garage Area | 384 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 78 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Street Address | 3151 RAY ST |
|---|---|
| City | SAGINAW |
| State | MI |
| Zip | 48601-4628 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 RES |
| Legal Description | A PIECE OF LAND LYING IN LOT 4 FITZHUGHS SUB OF SE 1/4 OF SEC 31 T12N R5E DESC AS FOLLOWS COM 878.5 FT W AND 1159 FT S OF NE |
| Legal Range | 05E |
| Legal Township | 12N |
| Legal Section | 31 |
| Legal Subdivision | SUB |
| Legal Lot Number | 25,4 |
| Legal Unit | 25,4 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | BUENA VISTA |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 11001 |
3151 Ray St is held in a trust since May 2024.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | PO BOX 1715, BAY CITY, MI 48706-0715 |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 3, 2024 · Amount on File |
| Deed Sale | May 3, 2024 · Amount on File |
| Prior Sale | Jun 12, 2012 · Amount on File |
| Deed Document Number | 202411610 |
| Prior Transfer Date | May 1, 2024 |
| Prior Transfer Doc | 0000004038 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 3151 RAY ST, SAGINAW, MI 48601-4628 |
| Transaction Type | Mortgage |
| Record Updated | Mar 5, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3151 RAY ST, SAGINAW, MI 48601-4628 |
| Document Number | 0000003131 |
|---|---|
| Date | Feb 21, 2024 |
| Instrument | 2024003131 |
| Name | SOUTHGATE MI OPCO LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | 40600 ANN ARBOR RD E STE 201, PLYMOUTH, MI 48170 |
| Amount | Amount on Record |
|---|
The 2025 property tax bill for 3151 Ray St was $1,189.
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | Buena Vista Charter Township |
| Unified School District | Bridgeport-Spaulding Community School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $20,400 | $40,800 | |
| 2025 | $1,189.00 | ||
| 2023 | $10,800 | $21,600 | |
| 2022 | $799.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3151 Ray 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 risk around 3151 Ray St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 83% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | BUENA VISTA TOWNSHIP serves 8,676 people · EPA ID MI0000980 |
|---|---|
| Water Source | Purchased surface water from CITY OF SAGINAW |
| Last State Inspection | Mar 2025 |
| Lead | 3 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 127 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 |
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