317 E Belle Ave, Saint Charles, MI 48655 Property Records

Saginaw County property record for 317 E Belle Ave, Saint Charles, MI 48655

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,050 sqft · built 1920
Lot Size	0.241 acres (10,498 sqft)
Owner	Individual Name on Record
Last Sale	$66,000 (Apr 2021)
Tax Bill	$915 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Apr 2021 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`24-10-3-05-0116-700`

Property Details

APN / Parcel Number

Primary APN	`24-10-3-05-0116-700`
Alternative APN	`24103050116A00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,050 sqft Living Area
1st Floor Area	600 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,498 sqft (0.241 acres)
Lot Dimensions	85.5 ft deep x 123 ft wide
Deck Area	Deck Area
Patio Area	126 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	317 E BELLE AVE
City	SAINT CHARLES
State	MI
Zip	48655-1409
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W LY 20 FT OF LOT 1 BLK 5 ALSO SE LY 85.50 FT OF LOTS 2 & 3 BLK 5 VILLAGE OF ST CHARLES SEC 5 T10N R3E
Legal Range	03E
Legal Township	10N
Legal Section	05
Legal Subdivision	VILLAGE OF ST CHARLES
Legal Block	1,5
Legal Lot Number	1
Legal Unit	1
Jurisdiction	SAGINAW MI
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2009
Census Tract	12600

Owner

Source: Saginaw County records, as of July 20, 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	317 E BELLE AVE, SAINT CHARLES, MI 48655-1409
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage DALIN FINANCIAL LLC
Apr 6, 2021	Warranty Deed, Transfer · FHA Mortgage AMERIFIRST FINANCIAL CORP
Apr 6, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 6, 2021 · Amount on Record
Deed Sale	Apr 6, 2021 · Amount on Record
Prior Sale	Apr 6, 2021 · Amount on Record
Deed Document Number	202110258
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Recording Date	Jul 29, 2026
Property Address	317 E BELLE AVE, SAINT CHARLES, MI 48655-1409
Document Number	0000019485
Instrument Date	Jul 22, 2026
Instrument	202619485
Transaction Type	Mortgage
Record Updated	Aug 5, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	317 E BELLE AVE, SAINT CHARLES, MI 48655-1409

Mortgage

Document Number	0000019485,
Date	Jul 29, 2026
Instrument	202619485

Lender

Name	DALIN FINANCIAL LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.49%
Max Rate	-1%

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Apr 6, 2021
Property Address	317 E BELLE AVE, SAINT CHARLES, MI 48655-1409
Document Number	2021010258
Map Reference	LB 38 PG 131
Instrument Date	Apr 1, 2021
Instrument	2021010258
Transaction Type	Transfer
Record Updated	Sep 2, 2021
Title Company	SAGINAW BAY AREA TITLE AGENCY, SAGINAW BAY AREA TITLE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$495.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	317 E BELLE AVE, 317, SAINT CHARLES, MI 48655-1409

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	317 E BELLE AVE, SAINT CHARLES, MI 48655-1409

Mortgage

Document Number	2021010259
Date	Apr 6, 2021
Instrument	2021010259

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Apr 6, 2021
Property Address	317 E BELLE AVE, SAINT CHARLES, MI 48655-1409
Document Number	2021010257
Map Reference	LB 38 PG 131
Instrument Date	Mar 30, 2021
Instrument	2021010257
Transaction Type	Transfer
Record Updated	Sep 2, 2021

Transaction

Amount	Amount Recorded
Tax	$300.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	317 E BELLE AVE, SAINT CHARLES, MI 48655-1409

Tax Assessment & Valuation

Source: Saginaw County assessment roll, as of September 9, 2025

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$33,800 (+21.15%)	$67,600 (+21.15%)
2025	$915.00 (+19.92%) Homeowner's exemption
2023		$27,900	$55,800
2022	$763.00

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

Source: FEMA National Flood Hazard Layer, effective March 29, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	6 (1986–2013)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Apr 2013 · Flooding
Claims by Event	Flooding, Apr 2013 · 2 claims Severe Storms & Flooding, Sep 1986 · 3 claims

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 94% of the US · lower than 85% of Michigan
Wildfire Likelihood	Under 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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