3239 N Thomas Rd, Freeland, MI 48623 Property Records

Saginaw County property record for 3239 N Thomas Rd, Freeland, MI 48623

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,696 sqft · built 1979
Lot Size	0.413 acres (17,990 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Jul 2021)
Tax Bill	$3,737 (2025)
Deeds & Mortgages	May 2026 Line of Credit Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-12-3-09-4112-000`

Property Details

APN / Parcel Number

Primary APN	`28-12-3-09-4112-000`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,696 sqft Living Area
1st Floor Area	1,676 sqft
Basement Area	1,196 sqft
Finished Basement	1,196 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,990 sqft (0.413 acres)
Lot Dimensions	150 ft deep x 120 ft wide
Garage Area	606 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area
Patio Area	30 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3239 N THOMAS RD
City	FREELAND
State	MI
Zip	48623-8870
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 12 WINDING CREEK ESTATES PART OF SE 1/4 SEC 9 SEC 9 T12N R3E
Legal Range	03E
Legal Township	12N
Legal Section	09
Legal Subdivision	WINDING CREEK ESTATES
Legal Lot Number	12
Legal Unit	12
Jurisdiction	SAGINAW MI
Township / Civil Division	THOMAS
Census Block Group	1
Census Block	1016
Census Tract	12002

Owner

3239 N Thomas Rd is owned and occupied by two individuals who acquired it in April 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	3239 N THOMAS RD, FREELAND, MI 48623-8870
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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

Date	Document
May 5, 2026	Deed of Trust, Mortgage · Line of Credit NONE LISTED ON DOCUMENT
Jul 13, 2021	Warranty Deed, Transfer · Conventional Mortgage 1ST STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2021 · Amount on File
Deed Sale	Jul 13, 2021 · Amount on File
Prior Sale	Jun 12, 1984 · Amount on File
Deed Document Number	202124048
Last Transfer Date	Apr 2, 2025
Transfer Doc	0000009049
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Recording Date	May 5, 2026
Property Address	3239 N THOMAS RD, FREELAND, MI 48623-8870
Document Number	0000012297
Instrument Date	Apr 30, 2026
Instrument	202612297
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3239 N THOMAS RD, FREELAND, MI 48623-8870

Mortgage

Document Number	0000012297,
Date	May 5, 2026
Instrument	202612297

Lender

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.46%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Jul 13, 2021
Property Address	3239 N THOMAS RD, FREELAND, MI 48623-8870
Document Number	2021024048
Map Reference	LB 21 PG 4&5
Instrument Date	Jun 30, 2021
Instrument	2021024048
Transaction Type	Transfer
Record Updated	Jul 28, 2021
Title Company	TITLE RESOURCE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3239 N THOMAS RD, 3239, FREELAND, MI 48623-8870

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3239 N THOMAS RD, FREELAND, MI 48623-8870

Mortgage

Document Number	0000023576
Date	Jul 8, 2021
Instrument	2021023576

Lender

Name	1ST STATE BANK
Type	Bank
Address	SAGINAW, MI 48605

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 3239 N Thomas Rd was $3,737 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	Thomas Township
Unified School District	Hemlock Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$114,200 (+3.25%)	$228,400 (+3.25%)
2025	$3,737.00 Homeowner's exemption	$110,600	$221,200
2023		$93,600	$187,200
2022	$3,128.00

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

FEMA maps place 3239 N Thomas Rd in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1978.

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
Nearby Flood Policies	3 in force
Nearby Flood Claims	9 (1978–2022)
Most Recent Claim	Aug 2022 · other causes
Claims by Event	Severe Storms And Flooding, May 2020 · 3 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

The area around 3239 N Thomas Rd has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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	THOMAS TOWNSHIP serves 11,931 people · EPA ID MI0006580
Water Source	Purchased surface water from CITY OF SAGINAW
Last State Inspection	Jul 2023
Lead	2 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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