Saginaw County property record for 331 Charles St, Saint Charles, MI 48655
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,218 sqft · built 1957 |
| Lot Size | 0.207 acres (9,017 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $110,000 (Apr 2023) |
| Tax Bill | $2,839 (2025) |
| Deeds & Mortgages | Apr 2023 Sale & Mortgage Jan 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-10-3-05-0153-800 |
| Primary APN | 24-10-3-05-0153-800 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,218 sqft Living Area |
| 1st Floor Area | 1,218 sqft |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Exterior Material | Combination |
| Foundation Type | No Foundation |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 9,017 sqft (0.207 acres) |
| Lot Dimensions | 110 ft deep x 82 ft wide |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Covered Porch |
| Porch Area | 54 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 331 CHARLES ST |
|---|---|
| City | SAINT CHARLES |
| State | MI |
| Zip | 48655-1701 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | W LY 1/2 OF LOTS 1&2 EXC 50 FT OF NW LY SIDE OF LOT 1 BLK 16 ALSO EXC COM AT SE COR OF NE LY 1/2 OF LOTS 1&2 TH NW LY ON MID |
| Legal Range | 03E |
| Legal Township | 10N |
| Legal Section | 05 |
| Legal Subdivision | VILLAGE OF ST CHARLES |
| Legal Block | 16 |
| Legal Lot Number | 1 |
| Legal Unit | 1 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 12600 |
Source: Saginaw County records, as of August 21, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 331 CHARLES ST, SAINT CHARLES, MI 48655-1701 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 24, 2023 | Warranty Deed, Transfer · Conventional Mortgage NAVY FCU |
| Jan 18, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage FLAGSTAR BANK FSB |
| Mar 14, 2017 | Warranty Deed, Transfer NEW EXECUTIVE MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 24, 2023 · Amount on Record |
| Deed Sale | Apr 24, 2023 · Amount on Record |
| Prior Sale | Mar 14, 2017 · Amount on Record |
| Deed Document Number | 202310152 |
| Prior Transfer Date | Dec 23, 2021 |
| Prior Transfer Doc | 0000001742 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Apr 24, 2023 |
| Property Address | 331 CHARLES ST, SAINT CHARLES, MI 48655-1701 |
| Document Number | 0000010152 |
| Map Reference | LB 38 PG 131 |
| Instrument Date | Apr 21, 2023 |
| Instrument | 2023010152 |
| Transaction Type | Transfer |
| Record Updated | May 15, 2023 |
| Title Company | FIRST AMERICAN, FATIC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $825.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 331 CHARLES ST, SAINT CHARLES, MI 48655-1701 |
| Name | Verified Name |
|---|---|
| Address | 907 HAMPSHIRE DR, SAINT JOHNS, MI 48879-2401 |
| Document Number | 0000010153 |
|---|---|
| Date | Apr 24, 2023 |
| Instrument | 2023010153 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Jan 18, 2022 |
| Property Address | 331 CHARLES ST, SAINT CHARLES, MI 48655-1701 |
| Document Number | 0000001742 |
| Map Reference | LB 38 PG 131 |
| Instrument Date | Dec 23, 2021 |
| Instrument | 2022001742 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2022 |
| Title Company | SERVICELINK |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 331 CHARLES ST, SAINT CHARLES, MI 48655-1701 |
| Document Number | 0000001743 |
|---|---|
| Date | Jan 18, 2022 |
| Instrument | 2022001743 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 1, 2042 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Mar 14, 2017 |
| Property Address | 331 CHARLES ST, SAINT CHARLES, MI 48655-1701 |
| Document Number | 0000006164 |
| Book / Page | 2892 / 1382 |
| Instrument Date | Mar 3, 2017 |
| Instrument | 2017006164 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2022 |
| Title Company | TITLE RESOURCE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $713.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 331 CHARLES ST, 331, SAINT CHARLES, MI 48655-1701 |
| Name | Verified Name |
|---|---|
| Address | 8352 FERDEN RD, CHESANING, MI 48616-9740 |
| Document Number | 0000006165 |
|---|---|
| Date | Mar 14, 2017 |
| Book Page | 2892/1385 |
| Instrument | 2017006165 |
| Name | NEW EXECUTIVE MORTGAGE LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | BAY CITY, MI 48706 |
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Apr 1, 2047 |
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 | $58,900 (+24%) | $117,800 (+24%) | |
| 2025 | $2,839.00 (+160.46%) Homeowner's exemption | ||
| 2023 | $47,500 | $95,000 | |
| 2022 | $1,090.00 |
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.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
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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