345 S 2nd St, Freeland, MI 48623 Property Records

Saginaw County property record for 345 S 2nd St, Freeland, MI 48623

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,404 sqft · built 1948
Lot Size	0.42 acres (18,295 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (Jun 2017)
Tax Bill	$659 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-13-3-21-1023-000`

Property Details

APN / Parcel Number

Primary APN	`29-13-3-21-1023-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,404 sqft Living Area
1st Floor Area	1,404 sqft
Basement Area	966 sqft
Unfinished Basement	966 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,295 sqft (0.42 acres)
Lot Dimensions	123 ft deep x 149 ft wide
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Covered Porch
Porch Area	180 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	345 S 2ND ST
City	FREELAND
State	MI
Zip	48623-2509
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1-AGRI
Legal Description	COM AT A PT 639.01 FT S OF SW COR OF CHURCH & THIRD STS RUN TH S 74.26 FT TH W 247.8 FT TO E LINE OF SECOND ST TH N ON SAID E LINE 74.9 FT TH E 246.25 FT TO BEG. -- ALSO A PARCEL OF LAND DESC AS BEG AT A PT ON E LINE OF 2ND ST AND 624.75 FT S OF C/L
Legal Range	03E
Legal Township	13N
Legal Section	21
Jurisdiction	SAGINAW MI
Township / Civil Division	TITTABAWASSEE
Census Block Group	1
Census Block	1078
Census Tract	10101

Owner

Source: Saginaw County records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	345 S 2ND ST, FREELAND, MI 48623-2509
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 15, 2017	Warranty Deed, Transfer · FHA Mortgage ACADEMY MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 15, 2017 · Amount on Record
Deed Sale	Jun 15, 2017 · Amount on Record
Deed Document Number	201718891
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	345 S 2ND ST, FREELAND, MI 48623-2509
Transaction Type	Mortgage
Record Updated	Nov 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	345 S 2ND ST, FREELAND, MI 48623-2509

Mortgage

Document Number	0000028305
Date	Oct 31, 2022
Instrument	2022028305

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	297 Months
Due	Jul 1, 2047

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Jun 15, 2017
Property Address	345 S 2ND ST, FREELAND, MI 48623-2509
Document Number	2017018891
Instrument Date	Jun 8, 2017
Instrument	2017018891
Transaction Type	Transfer
Record Updated	Sep 2, 2021

Transaction

Amount	Amount Recorded
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	8371 WEBSTER RD APT 3, 3, FREELAND, MI 48623-9098

Mortgage

Document Number	0000018892
Date	Jun 15, 2017
Instrument	2017018892

Lender

Name	ACADEMY MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	91 Months
Due	Jan 1, 2025

Tax Assessment & Valuation

Source: Saginaw County assessment roll, as of September 9, 2025

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	Tittabawassee Township
Unified School District	Freeland Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$92,500 (+35.63%)	$185,000 (+35.63%)
2025	$659.00 (-66.26%) Homeowner's exemption
2023		$68,200	$136,400
2022	$1,953.00

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

Flood

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	1 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

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

Wildfire Risk	Low lower than 95% of the US · lower than 89% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct 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 System	TITTABAWASSEE TOWNSHIP serves 9,227 people · EPA ID MI0002470
Water Source	Purchased surface water from CITY OF SAGINAW
Last State Inspection	Jul 2025
Lead	2 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2018
Treatment and Procedure	Lead service line inventory Oct 2024
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 196 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
T-Mobile Fixed Wireless	100 / 20

May also be available: LakeNet.

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