3491 Ditch Rd, New Lothrop, MI 48460 Property Records

Saginaw County property record for 3491 Ditch Rd, New Lothrop, MI 48460

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,254 sqft · built 1990
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,793 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Dec 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-09-4-34-2002-003`

Property Details

APN / Parcel Number

Primary APN	`20-09-4-34-2002-003`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,254 sqft Living Area
1st Floor Area	2,254 sqft
Basement Area	480 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	87,120 sqft (2 acres)
Garage Area	1,008 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch
Porch Area	136 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3491 DITCH RD
City	NEW LOTHROP
State	MI
Zip	48460-9627
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 295 FT OF W 295 FT OF W 3/4 OF NW 1/4 2.0 ACRES SEC 34 T9N R4E ***NEW # SPLIT FROM PARENTS 2002-000 & 002 1/13/05
Legal Range	04E
Legal Township	09N
Legal Section	34
Jurisdiction	SAGINAW MI
Township / Civil Division	MAPLE GROVE
Census Block Group	4
Census Block	4034
Census Tract	12900

Owner

3491 Ditch Rd is owned and occupied by two individuals who acquired it in April 2004.

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

Owner of Record	2 Individual Names on File
Mailing Address	3491 DITCH RD, NEW LOTHROP, MI 48460-9627
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 7, 2021	Deed of Trust, Mortgage QUICKEN LOANS LLC
Dec 6, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 12, 2004
Transfer Doc	0007204614
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	3491 DITCH RD, NEW LOTHROP, MI 48460-9627
Transaction Type	Mortgage
Record Updated	Jun 23, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3491 DITCH RD, NEW LOTHROP, MI 48460-9627

Mortgage

Document Number	2021020539
Date	Jun 7, 2021
Instrument	2021020539

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Amount	Amount on Record
Term	355 Months
Due	Jan 1, 2051

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	3491 DITCH RD, NEW LOTHROP, MI 48460-9627
Document Number	0000030945
Instrument Date	Dec 6, 2018
Transaction Type	Mortgage
Record Updated	Jan 2, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3491 DITCH RD NEW LOTHROP MI 484609627, NEW LOTHROP, MI 48460-9627

Mortgage

Document Number	0000030945
Date	Dec 12, 2018
Instrument	30945

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 11, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3491 Ditch Rd was $4,793 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	Maple Grove Township
Unified School District	New Lothrop Area Public School (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$179,900	$359,800
2025	$4,793.00 Homeowner's exemption
2023		$151,900	$303,800
2022	$4,001.00

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

Flood

FEMA maps place 3491 Ditch Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 3491 Ditch Rd 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 99.1% of the US · lower than 98.4% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3

May also be available: AT&T, Brightspeed.

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