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322 S 3rd St, Freeland, MI 48623 Property Records

Saginaw County property record for 322 S 3rd St, Freeland, MI 48623

Property Summary

Property TypeDuplex
Details4 bd · 2 ba · 1,752 sqft · built 1972
Lot Size0.34 acres (14,810 sqft)
Owner2 Individual Names on File
Last Sale$255,000 (Oct 2024)
Tax Bill$2,755 (2025)
Deeds & MortgagesMar 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN29-13-3-21-1019-001

Property Details

APN / Parcel Number

Primary APN29-13-3-21-1019-001

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,752 sqft Living Area
1st Floor Area1,752 sqft
Basement Area780 sqft
Unfinished Basement780 sqft

Exterior

Year BuiltBuilt 1972
Effective Year BuiltEffective 1972
Architectural StyleDuplex Single
Exterior MaterialAluminum/Vinyl
Foundation TypeNo Foundation
Roof TypeGable
Roof MaterialAsphalt
Lot Area14,810 sqft (0.34 acres)
Lot Dimensions120 ft deep x 124 ft wide
Garage Area528 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchCovered Porch
Porch Area120 sqft
Deck AreaDeck Area
Patio Area32 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas
SewerMunicipal

Location & Zoning

Street Address322 S 3RD ST
CityFREELAND
StateMI
Zip48623-2518
Property CategoryResidential
Property TypeResidential > Multi-Unit > Duplex
Local Zoning CodeR-3
Legal DescriptionE 120 FT OF FOLLOWING DESCR COM AT A POINT 489.75 FT S OF SW CORN OF CHURCH & THIRD STREETS TH S 124.24 FT TH W 246.25 FT TO
Legal Range03E
Legal Township13N
Legal Section21
JurisdictionSAGINAW MI
Township / Civil DivisionTITTABAWASSEE
Census Block Group1
Census Block1078
Census Tract10101

Owner

322 S 3rd St, a duplex, is owned and occupied by two individuals who bought it in October 2024.

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

Owner of Record2 Individual Names on File
Mailing AddressPO BOX 389, FREELAND, MI 48623-0389
OccupancyOwner Occupied
Owner TypeIndividual

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 Names2 Names on Deed
Last SaleOct 17, 2024 · Amount on File
Deed SaleOct 17, 2024 · Amount on File
Prior SaleMar 7, 2019 · Amount on File
Deed Document Number202423433
Prior Transfer DateOct 16, 2024
Prior Transfer Doc0000023433
Record UpdatedOct 29, 2026

March 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSAGINAW MI
Recording DateMar 7, 2019
Property Address322 S 3RD ST, FREELAND, MI 48623-2518
Document Number0000004643
Instrument DateMar 1, 2019
Instrument2019004643
Transaction TypeTransfer
Record UpdatedAug 12, 2022

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address322 S 3RD ST, FREELAND, MI 48623-2518

Mortgage

Document Number0000004644
DateMar 7, 2019
Instrument2019004644
Lender
NameISABELLA BANK
Agreement
TypeARM
AmountAmount on Record
Term349 Months
DueApr 1, 2048
Interest
Rate TypeAdjustable Rate
Rate4.6%
Type Change DateApr 1, 2026
Index1-Year CMT

Tax Assessment & Valuation

The 2025 property tax bill for 322 S 3rd St was $2,755 with a homeowner's exemption.

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

Property Jurisdictions

TypeName
StateMichigan
CountySaginaw County
County SubdivisionTittabawassee Township
Unified School DistrictFreeland Community School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$86,700$173,400
2025$2,755.00 Homeowner's exemption
2023$54,300$108,600
2022$2,433.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 322 S 3rd St in Zone X, an area of minimal flood risk.

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 in force

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 322 S 3rd 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 RiskLow
lower than 95% of the US · lower than 89% of Michigan
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
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 SystemTITTABAWASSEE TOWNSHIP
serves 9,227 people · EPA ID MI0002470
Water SourcePurchased surface water from CITY OF SAGINAW
Last State InspectionJul 2025
Lead2 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityTotal trihalomethanes
resolved · Apr 2018
Treatment and ProcedureLead service line inventory
Oct 2024
Monitoring and Reporting1
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 196 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: LakeNet.

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