Saginaw County property record for 3840 Lamplighter Dr, Saginaw, MI 48603
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,302 sqft · built 2004 |
| Lot Size | 0.321 acres (13,983 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $326,000 (May 2021) |
| Tax Bill | $7,354 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage May 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-12-4-07-2130-000 |
| Primary APN | 23-12-4-07-2130-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,302 sqft Living Area |
| 1st Floor Area | 1,130 sqft |
| Basement Area | 1,130 sqft |
| Unfinished Basement | 1,130 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,983 sqft (0.321 acres) |
| Lot Dimensions | 140 ft deep x 100 ft wide |
| Garage Area | 770 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 321 sqft |
| Patio Area | 400 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 3840 LAMPLIGHTER DR |
|---|---|
| City | SAGINAW |
| State | MI |
| Zip | 48603-8655 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | LOT 30 GATEHOUSE MANOR ESTATES NO 2 SEC 07 T12N R4E |
| Legal Range | 04E |
| Legal Township | 12N |
| Legal Section | 07 |
| Legal Subdivision | GATEHOUSE MANOR ESTATES |
| Legal Lot Number | 30 |
| Legal Unit | 30 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | SAGINAW |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 10306 |
Source: Saginaw County records, as of September 23, 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 | 3840 LAMPLIGHTER DR, SAGINAW, MI 48603-8655 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 15, 2026 | Deed of Trust, Mortgage · Conventional Mortgage LOC FEDERAL CREDIT UNION |
| May 11, 2021 | Warranty Deed, Transfer · Conventional Mortgage 1ST STATE BANK |
| Dec 12, 2017 | Deed of Trust, Mortgage · Stand-Alone Refinance M & T BANK |
| Oct 19, 2020 | Deed of Trust, Mortgage QUICKEN LOANS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 11, 2021 · Amount on Record |
| Deed Sale | May 11, 2021 · Amount on Record |
| Prior Sale | Jun 21, 2011 · Amount on Record |
| Deed Document Number | 202117605 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Sep 15, 2026 |
| Property Address | 3840 LAMPLIGHTER DR, SAGINAW, MI 48603-8655 |
| Document Number | 0000023353 |
| Instrument Date | Sep 10, 2026 |
| Instrument | 202623353 |
| Transaction Type | Mortgage |
| Record Updated | Sep 23, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3840 LAMPLIGHTER DR, SAGINAW, MI 48603-8655 |
| Document Number | 0000023353, |
|---|---|
| Date | Sep 15, 2026 |
| Instrument | 202623353 |
| Name | LOC FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Sep 30, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | May 11, 2021 |
| Property Address | 3840 LAMPLIGHTER DR, SAGINAW, MI 48603-8655 |
| Document Number | 2021017605 |
| Map Reference | LB 29 PG 49 |
| Instrument Date | May 5, 2021 |
| Instrument | 2021017605 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2021 |
| Title Company | CROSSROADS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,445.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3840 LAMPLIGHTER DR, 3840, SAGINAW, MI 48603-8655 |
| Name | Verified Name |
|---|---|
| Address | 4810 CLAREMONT ST, MIDLAND, MI 48642-3071 |
| Document Number | 2021017606 |
|---|---|
| Date | May 11, 2021 |
| Instrument | 2021017606 |
| Name | 1ST STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 3840 LAMPLIGHTER DR, SAGINAW, MI 48603-8655 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000032933 |
|---|---|
| Date | Dec 12, 2017 |
| Instrument | 2017032933 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 157 Months |
| Due | Jan 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 3840 LAMPLIGHTER DR, SAGINAW, MI 48603-8655 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 3840 LAMPLIGHTER DR, SAGINAW, MI 48603-8655 |
| Document Number | 0000026292 |
|---|---|
| Date | Oct 19, 2020 |
| Instrument | 2020026292 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Nov 1, 2050 |
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | Saginaw Charter Township |
| Unified School District | Saginaw Township Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $208,800 (+20.62%) | $417,600 (+20.62%) | |
| 2025 | $7,354.00 (+16.6%) Homeowner's exemption | ||
| 2023 | $173,100 | $346,200 | |
| 2022 | $6,307.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2020) |
| Most Recent Claim | May 2020 · Severe Storms And Flooding |
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 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SAGINAW CHARTER TOWNSHIP serves 40,840 people · EPA ID MI0005860 |
|---|---|
| Water Source | Purchased surface water from CITY OF SAGINAW |
| Last State Inspection | Oct 2024 |
| Lead | 2 ppb (2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 97 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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