3773 Lone Rd, Freeland, MI 48623 Property Records

Saginaw County property record for 3773 Lone Rd, Freeland, MI 48623

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,069 sqft · built 1995
Lot Size	1.78 acres (77,537 sqft)
Owner	2 Individual Names on File
Last Sale	$22,500 (Jan 1994)
Tax Bill	$4,558 (2025)
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-12-3-09-2001-004`

Property Details

APN / Parcel Number

Primary APN	`28-12-3-09-2001-004`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,069 sqft Living Area
1st Floor Area	2,069 sqft
Basement Area	2,069 sqft
Unfinished Basement	2,069 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	77,537 sqft (1.78 acres)
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	120 sqft
Deck Area	Deck Area
Patio Area	264 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	3773 LONE RD
City	FREELAND
State	MI
Zip	48623-8837
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	BEG AT A PT 1035 FT S FROM N 1/4 CORN TH CONT S 150 FT TH W 555 FT TH N42DEG E 126 FT TH N34DEG E 69.65 FT TH E 445 FT TO POB
Legal Range	03E
Legal Township	12N
Legal Section	09
Jurisdiction	SAGINAW MI
Township / Civil Division	THOMAS
Census Block Group	2
Census Block	2022
Census Tract	12002

Owner

3773 Lone Rd is owned and occupied by two individuals who bought it in January 1994.

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

Owner of Record	2 Individual Names on File
Mailing Address	3773 LONE RD, FREELAND, MI 48623-8837
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 9, 1994 · Amount on File
Deed Sale	Jan 9, 1994 · Amount on File
Deed Book / Page	1894 / 1744
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	3773 LONE RD, FREELAND, MI 48623-8837
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3773 LONE RD, FREELAND, MI 48623-8837

Mortgage

Document Number	0000027912
Date	Nov 3, 2020
Instrument	2020027912

Lender

Name	UNITED FINANCIAL CU
Type	Credit Union
Address	SAGINAW, MI 48603

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Nov 1, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 3773 Lone Rd was $4,558 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	Thomas Township
Unified School District	Hemlock Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$168,200	$336,400
2025	$4,558.00 Homeowner's exemption
2023		$129,200	$258,400
2022	$3,798.00

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

Flood

FEMA maps place 3773 Lone Rd 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
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2014 · rainfall accumulation

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 3773 Lone 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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 55 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000