3386 Circle Dr, Saginaw, MI 48601 Property Records

Saginaw County property record for 3386 Circle Dr, Saginaw, MI 48601

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,232 sqft · built 2002
Lot Size	0.406 acres (17,685 sqft)
Owner	Individual Name on File
Last Sale	$243,000 (Aug 2021)
Tax Bill	$6,826 (2025)
Deeds & Mortgages	May 2023 Mortgage Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-11-5-08-3448-001`

Property Details

APN / Parcel Number

Primary APN	`09-11-5-08-3448-001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,232 sqft Living Area
1st Floor Area	1,119 sqft
Basement Area	1,119 sqft
Unfinished Basement	1,119 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,685 sqft (0.406 acres)
Lot Dimensions	131 ft deep x 135 ft wide
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	48 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3386 CIRCLE DR
City	SAGINAW
State	MI
Zip	48601-5802
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 246 & S 1/2 OF LOT 247 SOUTHFIELD VILLAGE SUB DIV ADDN 3 SEC 8 T12N R5E ***NEW # SPLIT FROM PARENT 3448 & 3449 10/15/03
Legal Range	05E
Legal Township	12N
Legal Section	08
Legal Subdivision	DIV ADDN
Legal Lot Number	246-247
Jurisdiction	SAGINAW MI
Township / Civil Division	BRIDGEPORT
Census Block Group	2
Census Block	2008
Census Tract	11600

Owner

3386 Circle Dr is owned and occupied by an individual who bought it in August 2021.

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

Owner of Record	Individual Name on File
Mailing Address	3386 CIRCLE DR, SAGINAW, MI 48601-5802
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
May 23, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Aug 27, 2021	Warranty Deed, Transfer · FHA Mortgage CASON HOME LOANS
Nov 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage WANIGAS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 27, 2021 · Amount on File
Deed Sale	Aug 27, 2021 · Amount on File
Deed Document Number	202128312
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	3386 CIRCLE DR, SAGINAW, MI 48601-5802
Transaction Type	Mortgage
Record Updated	Jun 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3386 CIRCLE DR, SAGINAW, MI 48601-5802

Mortgage

Document Number	0000012633
Date	May 23, 2023
Instrument	2023012633

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	340 Months
Due	Sep 1, 2051

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Aug 27, 2021
Property Address	3386 CIRCLE DR, SAGINAW, MI 48601-5802
Document Number	2021028312
Map Reference	LB 16 PG 35
Instrument Date	Aug 25, 2021
Instrument	2021028312
Transaction Type	Transfer
Record Updated	Sep 8, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,822.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3386 CIRCLE DR, 3386, SAGINAW, MI 48601-5802

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3386 CIRCLE DR, SAGINAW, MI 48601-5802

Mortgage

Document Number	0000028292
Date	Aug 27, 2021
Instrument	2021028292

Lender

Name	CASON HOME LOANS
Type	Mortgage Company
Address	NORTH PALM BEACH, FL 33408

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	3386 CIRCLE DR, SAGINAW, MI 48601-5802
Document Number	0000029332
Instrument Date	Nov 25, 2019
Transaction Type	Mortgage
Record Updated	Dec 18, 2019
Title Company	MID-STATE TITLE SERVICES INC, MID-STATE TITLE SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3386 CIRCLE DR SAGINAW MI 486015802, SAGINAW, MI 48601-5802

Mortgage

Document Number	0000029332
Date	Dec 3, 2019
Instrument	29332

Lender

Name	WANIGAS CU
Address	SAGINAW, MI 48603

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 2, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3386 Circle Dr was $6,826.

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		$141,400	$282,800
2025	$6,826.00
2023		$109,300	$218,600
2022	$5,866.00

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 3386 Circle Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 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 3386 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 96% of the US · lower than 91% 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 225 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

May also be available: AT&T.

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