3876 N Thomas Rd, Freeland, MI 48623 Property Records

Saginaw County property record for 3876 N Thomas Rd, Freeland, MI 48623

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 936 sqft · built 1972
Lot Size0.403 acres (17,555 sqft)
OwnerIndividual Name on Record
Last Sale$145,000 (Aug 2021)
Tax Bill$2,768 (2025)
Deeds & MortgagesAug 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN28-12-3-10-2104-000

Property Details

APN / Parcel Number

Primary APN28-12-3-10-2104-000

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms5 Rooms
Stories1 Story
Building Area936 sqft Living Area
1st Floor Area936 sqft
Basement Area936 sqft
Unfinished Basement936 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1972
Effective Year BuiltEffective 1972
Architectural StyleRaised Ranch
Exterior MaterialBrick
Roof TypeGable
Roof MaterialAsphalt
Lot Area17,555 sqft (0.403 acres)
Lot Dimensions167 ft deep x 105 ft wide
Garage Area1,168 sqft
Parking Spaces4 Parking Spaces
PorchPorch
Porch Area20 sqft

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelGas
SewerMunicipal

Location & Zoning

Street Address3876 N THOMAS RD
CityFREELAND
StateMI
Zip48623-8816
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-1
Legal DescriptionLOT 4 & N 10 FT OF LOT 3 PRETZER SUBDIVISION SEC 10 T12N R3E
Legal Range03E
Legal Township12N
Legal Section10
Legal SubdivisionPRETZER SUBDIVISION
Legal Lot Number3-4
JurisdictionSAGINAW MI
Township / Civil DivisionTHOMAS
Census Block Group1
Census Block1012
Census Tract12002

Owner

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

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

Owner of RecordIndividual Name on Record
Mailing Address3876 N THOMAS RD, FREELAND, MI 48623-8816
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 11, 2021 · Amount on Record
Deed SaleAug 11, 2021 · Amount on Record
Prior SaleFeb 15, 2013 · Amount on Record
Deed Document Number202126536
Record UpdatedOct 29, 2026

August 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSAGINAW MI
Recording DateAug 11, 2021
Property Address3876 N THOMAS RD, FREELAND, MI 48623-8816
Document Number2021026536
Map ReferenceLB 12 PG 47
Instrument DateAug 9, 2021
Instrument2021026536
Transaction TypeTransfer
Record UpdatedAug 25, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,087.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3876 N THOMAS RD, 3876, FREELAND, MI 48623-8816

Transferred To (Grantee/Buyer)

NameVerified Name
Address3876 N THOMAS RD, FREELAND, MI 48623-8816

Mortgage

Document Number2021026537
DateAug 11, 2021
Instrument2021026537
Lender
NameHEALTH ADVANTAGE FEDERAL CU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2051

Tax Assessment & Valuation

Source: Saginaw County assessment roll, as of August 21, 2026

Property Jurisdictions

TypeName
StateMichigan
CountySaginaw County
County SubdivisionThomas Township
Unified School DistrictFreeland Community School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$91,400 (+30.01%)$182,800 (+30.01%)
2025$2,768.00 (+19.83%) Homeowner's exemption
2023$70,300$140,600
2022$2,310.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective March 29, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies3 in force
Nearby Flood Claims9 (1978–2022)
Most Recent ClaimAug 2022 · other causes
Claims by Event
  • Severe Storms And Flooding, May 2020 · 3 claims
  • Severe Storms & Flooding, Sep 1986 · 3 claims

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 RiskNot rated
no burnable land within ember reach

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 SystemTHOMAS TOWNSHIP
serves 11,931 people · EPA ID MI0006580
Water SourcePurchased surface water from CITY OF SAGINAW
Last State InspectionJul 2023
Lead2 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 106 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable
1,000 / 1,000

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