Saginaw County property record for 321 Flint St, Saint Charles, MI 48655
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,262 sqft · built 1920 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $90,500 (May 2022) |
| Tax Bill | $2,019 (2025) |
| Deeds & Mortgages | May 2022 Sale & Mortgage Oct 2022 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-10-3-05-0912-000 |
| Primary APN | 24-10-3-05-0912-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,262 sqft Living Area |
| 1st Floor Area | 1,262 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| 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 |
| Deck Area | Deck Area |
| Patio Area | 184 sqft |
| Heating System | Floor/Wall Furnace |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 321 FLINT ST |
|---|---|
| City | SAINT CHARLES |
| State | MI |
| Zip | 48655-1715 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 2 BLK 3 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 | 15,2-3 |
| Legal Lot Number | 2 |
| Legal Unit | 2 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 12600 |
321 Flint St is owned and occupied by two individuals who bought it in May 2022.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 321 FLINT ST, SAINT CHARLES, MI 48655-1715 |
| 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.
| Date | Document |
|---|---|
| May 25, 2022 | Warranty Deed, Transfer · FHA Mortgage CASON HOME LOANS |
| Oct 26, 2022 | Intrafamily Transfer, Transfer TITLE RESOURCE AGENCY, TITLE RE SOURCE AGENCY |
| Sep 24, 2021 | Quit Claim Deed, Transfer Quitclaim |
| Dec 20, 2017 | Warranty Deed, Transfer GARROW TITLE AGENCY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 25, 2022 · Amount on File |
| Deed Sale | May 25, 2022 · Amount on File |
| Prior Sale | Sep 24, 2021 · Amount on File |
| Deed Document Number | 202215609 |
| Prior Transfer Date | Apr 29, 2022 |
| Prior Transfer Doc | 0000028051 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | May 25, 2022 |
| Property Address | 321 FLINT ST, SAINT CHARLES, MI 48655-1715 |
| Document Number | 0000015609 |
| Map Reference | LB 76 PG 5 |
| Instrument Date | Apr 29, 2022 |
| Instrument | 2022015609 |
| Transaction Type | Transfer |
| Record Updated | Jun 9, 2022 |
| Title Company | CROSSROADS TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $678.75 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6665 HOGBACK LAKE RD, 6665, DAVISBURG, MI 48350-3145 |
| Name | Verified Name |
|---|---|
| Address | 135 MAIN ST, MORRICE, MI 48857-8704 |
| Document Number | 0000013803 |
|---|---|
| Date | May 5, 2022 |
| Instrument | 2022013803 |
| Name | CASON HOME LOANS |
|---|---|
| Type | Mortgage Company |
| Address | NORTH PALM BEACH, FL 33408 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Oct 26, 2022 |
| Property Address | 321 FLINT ST, SAINT CHARLES, MI 48655-1715 |
| Document Number | 0000028051 |
| Map Reference | LB 76 PG 5 |
| Instrument Date | Apr 29, 2022 |
| Instrument | 2022028051 |
| Transaction Type | Transfer |
| Record Updated | Nov 10, 2022 |
| Title Company | TITLE RESOURCE AGENCY, TITLE RE SOURCE AGENCY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 321 FLINT ST, 321, SAINT CHARLES, MI 48655-1715 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 321 FLINT ST, SAINT CHARLES, MI 48655-1715 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Sep 24, 2021 |
| Property Address | 321 FLINT ST, SAINT CHARLES, MI 48655-1715 |
| Document Number | 2021031252 |
| Instrument Date | Sep 22, 2021 |
| Instrument | 2021031252 |
| Transaction Type | Transfer |
| Record Updated | Oct 6, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 111 S MICHIGAN AVE, 111, SAGINAW, MI 48602-2019 |
| Name | Verified Name |
|---|---|
| Address | 6665 HOGBACK LAKE RD # PD, PD, DAVISBURG, MI 48350-3145 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Dec 20, 2017 |
| Property Address | 321 FLINT ST, SAINT CHARLES, MI 48655-1715 |
| Document Number | 0000033654 |
| Instrument Date | Dec 12, 2017 |
| Instrument | 33654 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2018 |
| Title Company | GARROW TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Tax | $33.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 403 W SPRUCE ST ST CHARLES MI 486551243, ST CHARLES, MI 48655-1243 |
The 2025 property tax bill for 321 Flint St was $2,019 with a homeowner's exemption.
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 | $42,400 | $84,800 | |
| 2025 | $2,019.00 Homeowner's exemption | ||
| 2023 | $34,300 | $68,600 | |
| 2022 | $924.00 |
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.
FEMA maps place 321 Flint St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1986.
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 |
|---|---|
| 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 |
|
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 risk around 321 Flint 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 | 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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