3261 Circle Dr, Saginaw, MI 48601 Property Records

Saginaw County property record for 3261 Circle Dr, Saginaw, MI 48601

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,892 sqft · built 2004
Lot Size	0.541 acres (23,566 sqft)
Owner	2 Individual Names on File
Last Sale	$185,400 (Sep 2018)
Tax Bill	$4,371 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Sep 2018 Sale & Refinance
Flood Zone	Zone AE (high risk)
APN	`09-11-5-08-3427-001`

Property Details

APN / Parcel Number

Primary APN	`09-11-5-08-3427-001`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,892 sqft Living Area
1st Floor Area	1,416 sqft
Basement Area	1,416 sqft
Unfinished Basement	1,416 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	23,566 sqft (0.541 acres)
Lot Dimensions	131 ft deep x 180 ft wide
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	48 sqft
Deck Area	Deck Area
Patio Area	196 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3261 CIRCLE DR
City	SAGINAW
State	MI
Zip	48601-5800
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 225 & 226 SOUTHFIELD VILLAGE SUB-DIV ADDN 3 SEC 8 T11N R5E ***NEW # CREATED FROM COMB OF 3427 & 3428 1/1/04
Legal Range	05E
Legal Township	11N
Legal Section	08
Legal Subdivision	SOUTHFIELD VILLAGE SUB-DIV ADD
Legal Lot Number	225-226
Jurisdiction	SAGINAW MI
Township / Civil Division	BRIDGEPORT
Census Block Group	2
Census Block	2007
Census Tract	11600

Owner

3261 Circle Dr is owned and occupied by two individuals who bought it in September 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	3261 CIRCLE DR, SAGINAW, MI 48601-5800
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

Date	Document
Jun 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Sep 18, 2018	Warranty Deed, Transfer · Stand-Alone Refinance PACIFIC UNION FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2018 · Amount on File
Deed Sale	Sep 18, 2018 · Amount on File
Prior Sale	Dec 13, 2012 · Amount on File
Deed Document Number	201824176
Prior Transfer Date	Aug 27, 2003
Prior Transfer Doc	0007170863
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	3261 CIRCLE DR, SAGINAW, MI 48601-5800
Transaction Type	Mortgage
Record Updated	Jun 27, 2022
Title Company	TITLE365 OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3261 CIRCLE DR, SAGINAW, MI 48601-5800

Mortgage

Document Number	0000017035
Date	Jun 13, 2022
Instrument	2022017035

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	May 1, 2052

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Sep 18, 2018
Property Address	3261 CIRCLE DR, SAGINAW, MI 48601-5800
Document Number	2018024176
Instrument Date	Sep 11, 2018
Instrument	2018024176
Transaction Type	Transfer
Record Updated	Sep 2, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3261 CIRCLE DR, SAGINAW, MI 48601-5800

Mortgage

Document Number	0000024177
Date	Sep 18, 2018
Instrument	2018024177

Lender

Name	PACIFIC UNION FINANCIAL LLC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	337 Months
Due	Oct 1, 2046

Tax Assessment & Valuation

The 2025 property tax bill for 3261 Circle Dr was $4,371 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	Bridgeport Charter Township
Unified School District	Bridgeport-Spaulding Community School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$146,500	$293,000
2025	$4,371.00 Homeowner's exemption
2023		$112,100	$224,200
2022	$3,720.00

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

Flood

FEMA maps place 3261 Circle Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	6 (2004–2026)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Apr 2026 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Apr 2026 · 2 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 3261 Circle Dr 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 Risk	Low lower than 98% of the US · lower than 95% of Michigan
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BRIDGEPORT TOWNSHIP serves 10,104 people · EPA ID MI0000840
Water Source	Purchased surface water from CITY OF SAGINAW
Last State Inspection	Mar 2025
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 150 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
AT&T Fixed Wireless · DSL in parts of the area	100 / 20

May also be available: Air Advantage.

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