Saginaw County property record for 319 Jay St, Saint Charles, MI 48655
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 832 sqft · built 1946 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $100,000 (Apr 2024) |
| Tax Bill | $1,757 (2025) |
| Deeds & Mortgages | Apr 2024 Sale & Mortgage Oct 2022 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-10-3-05-0922-000 |
| Primary APN | 24-10-3-05-0922-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 832 sqft Living Area |
| 1st Floor Area | 832 sqft |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1946 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 132 ft deep x 66 ft wide |
| Porch | Porch |
| Porch Area | 114 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 319 JAY ST |
|---|---|
| City | SAINT CHARLES |
| State | MI |
| Zip | 48655-1739 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 3 BLK 4 PENOYERS SUB DIV OF BLOCKS 15 35 & 36 VILLAGE OF ST CHARLES SEC 5 T10N R3E |
| Legal Range | 03E |
| Legal Township | 10N |
| Legal Section | 05 |
| Legal Subdivision | PENOYERS SUB |
| Legal Block | 15,3-4 |
| Legal Lot Number | 3 |
| Legal Unit | 3 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 2 |
| Census Block | 2037 |
| 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 | 319 JAY ST, SAINT CHARLES, MI 48655-1739 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 9, 2024 | Warranty Deed, Transfer · Conventional Mortgage FRANKENMUTH CU |
| Oct 24, 2022 | Warranty Deed, Transfer |
| Oct 14, 2022 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 9, 2024 · Amount on Record |
| Deed Sale | Apr 9, 2024 · Amount on Record |
| Prior Sale | Oct 24, 2022 · Amount on Record |
| Deed Document Number | 20247430 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Apr 9, 2024 |
| Property Address | 319 JAY ST, SAINT CHARLES, MI 48655-1739 |
| Document Number | 0000007430 |
| Map Reference | LB 76 PG 5 |
| Instrument Date | Apr 8, 2024 |
| Instrument | 2024007430 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2024 |
| Title Company | HOMELAND TITLE, HOMELAND TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $75,000.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 740 S THOMAS RD, SAGINAW, MI 48609-9557 |
| Name | Verified Name |
|---|---|
| Address | 10565 E FREMONT RD, SAINT LOUIS, MI 48880-9518 |
| Document Number | 0000007431 |
|---|---|
| Date | Apr 9, 2024 |
| Instrument | 2024007431 |
| Name | FRANKENMUTH CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Oct 24, 2022 |
| Property Address | 319 JAY ST, SAINT CHARLES, MI 48655-1739 |
| Document Number | 0000027772 |
| Map Reference | LB 76 PG 5 |
| Instrument Date | Oct 5, 2022 |
| Instrument | 2022027772 |
| Transaction Type | Transfer |
| Record Updated | Nov 7, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $195.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10076 GRATIOT RD, 10076, SAGINAW, MI 48609-9408 |
| Name | Verified Name |
|---|---|
| Address | 740 S THOMAS RD, SAGINAW, MI 48609-9557 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Oct 14, 2022 |
| Property Address | 319 JAY ST, SAINT CHARLES, MI 48655-1739 |
| Document Number | 0000027133 |
| Map Reference | LB 76 PG 5 |
| Instrument Date | Oct 5, 2022 |
| Instrument | 2022027133 |
| Transaction Type | Transfer |
| Record Updated | Oct 31, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $127.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10076 GRATIOT RD, 10076, SAGINAW, MI 48609-9408 |
| Name | Verified Name |
|---|---|
| Address | 1325 GABEL RD, SAGINAW, MI 48601-9309 |
| Investor | Possibly a Property Investor |
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 | $34,700 (+23.05%) | $69,400 (+23.05%) | |
| 2025 | $1,757.00 (+105.5%) Homeowner's exemption | ||
| 2023 | $28,200 | $56,400 | |
| 2022 | $855.00 |
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.
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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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 |
|
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 | None beyond ember reach |
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 122 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 |
| Starlink Satellite | 280 / 30 |
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