321 Coal St, Saint Charles, MI 48655 Property Records

Saginaw County property record for 321 Coal St, Saint Charles, MI 48655

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,566 sqft · built 1945
Lot Size	0.478 acres (20,822 sqft)
Owner	Individual Name on File
Last Sale	$79,000 (Feb 2002)
Tax Bill	$2,637 (2025)
Deeds & Mortgages	Nov 2018 Transfer
Flood Zone	Zone X (moderate risk)
APN	`24-10-3-08-0829-000`

Property Details

APN / Parcel Number

Primary APN	`24-10-3-08-0829-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,566 sqft Living Area
1st Floor Area	1,566 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,822 sqft (0.478 acres)
Lot Dimensions	200 ft deep x 104 ft wide
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	72 sqft
Deck Area	Deck Area
Patio Area	210 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	321 COAL ST
City	SAINT CHARLES
State	MI
Zip	48655-1835
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 9 - 12 INCL BLK 4 E V PARSONS ADDN VILLAGE OF ST CHARLES SEC 8 T10N R3E
Legal Range	03E
Legal Township	10N
Legal Section	08
Legal Subdivision	PARSONS ADDN
Legal Block	4
Legal Lot Number	9-12
Jurisdiction	SAGINAW MI
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2035
Census Tract	12600

Owner

321 Coal St is owned and occupied by an individual who acquired it in November 2018.

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

Owner of Record	Individual Name on File
Mailing Address	321 COAL ST, SAINT CHARLES, MI 48655-1835
Occupancy	Owner Occupied
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 7, 2002 · Amount on File
Deed Sale	Feb 7, 2002 · Amount on File
Prior Sale	Dec 10, 2001 · Amount on File
Deed Document Number	20027066660
Deed Book / Page	2216 / 371
Last Transfer Date	Nov 19, 2018
Transfer Doc	0000029051
Record Updated	Oct 29, 2026

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAGINAW MI
Recording Date	Nov 20, 2018
Property Address	321 COAL ST, SAINT CHARLES, MI 48655-1835
Document Number	0000029051
Instrument Date	Nov 20, 2018
Instrument	29051
Transaction Type	Transfer
Record Updated	Dec 5, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 COAL ST ST CHARLES MI 486551835, ST CHARLES, MI 48655-1835

Tax Assessment & Valuation

The 2025 property tax bill for 321 Coal St was $2,637 with a homeowner's exemption.

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

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		$78,400	$156,800
2025	$2,637.00 Homeowner's exemption
2023		$59,900	$119,800
2022	$1,374.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 321 Coal St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 321 Coal St is low, with 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	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.

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 170 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