Saginaw County property record for 3853 Lone Rd, Freeland, MI 48623
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 3,736 sqft · built 1995 |
| Lot Size | 1.28 acres (55,757 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $250,000 (Dec 2009) |
| Tax Bill | $6,110 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-12-3-09-2001-002 |
| Primary APN | 28-12-3-09-2001-002 |
|---|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,736 sqft Living Area |
| 1st Floor Area | 1,621 sqft |
| Basement Area | 1,056 sqft |
| Unfinished Basement | 1,056 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Brick |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 55,757 sqft (1.28 acres) |
| Garage Area | 988 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 40 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3853 LONE RD |
|---|---|
| City | FREELAND |
| State | MI |
| Zip | 48623-8917 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A-1 |
| Legal Description | BEG AT A PT ON N&S 1/4 LINE 735 FT S FROM N 1/4 CORN TH S 150 FT TH W 385 FT TH N20DEG E 160.42 FT TH E 325 FT TO POB 1.28 |
| 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 |
3853 Lone Rd is owned and occupied by two individuals who bought it in December 2009.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3853 LONE RD, FREELAND, MI 48623-8917 |
| 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.
| Date | Document |
|---|---|
| Oct 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FRANKENMUTH CU |
| Apr 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FRANKENMUTH CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 30, 2009 · Amount on File |
| Deed Sale | Dec 30, 2009 · Amount on File |
| Prior Sale | Sep 4, 1993 · Amount on File |
| Deed Document Number | 200935882 |
| Deed Book / Page | 2563 / 588 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 3853 LONE RD, FREELAND, MI 48623-8917 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3853 LONE RD, FREELAND, MI 48623-8917 |
| Document Number | 0000026885 |
|---|---|
| Date | Oct 23, 2020 |
| Instrument | 2020026885 |
| Name | FRANKENMUTH CU |
|---|---|
| Type | Credit Union |
| Address | FRANKENMUTH, MI 48734 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 3853 LONE RD, FREELAND, MI 48623-8917 |
| Document Number | 0000009956 |
| Instrument Date | Apr 7, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3853 LONE RD FREELAND MI 486238917, FREELAND, MI 48623-8917 |
| Document Number | 0000009956 |
|---|---|
| Date | Apr 14, 2020 |
| Instrument | 9956 |
| Name | FRANKENMUTH CU |
|---|---|
| Type | Credit Union |
| Address | FRANKENMUTH, MI 48734 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 13, 2050 |
The 2025 property tax bill for 3853 Lone Rd was $6,110 with a homeowner's exemption.
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | Thomas Township |
| Unified School District | Hemlock Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $273,700 | $547,400 | |
| 2025 | $6,110.00 Homeowner's exemption | ||
| 2023 | $209,300 | $418,600 | |
| 2022 | $5,080.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3853 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 risk around 3853 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.
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 |
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