Saginaw County property record for 3944 Lone Rd, Freeland, MI 48623
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,588 sqft · built 1978 |
| Lot Size | 0.544 acres (23,697 sqft) |
| Owner | Company Name on Record |
| Last Sale | $150,000 (Jun 2026) |
| Tax Bill | $3,405 (2025) |
| Deeds & Mortgages | Jun 2026 Construction Loan Jun 2026 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-12-3-09-1047-000 |
| Primary APN | 28-12-3-09-1047-000 |
|---|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,588 sqft Living Area |
| 1st Floor Area | 858 sqft |
| Basement Area | 858 sqft |
| Unfinished Basement | 858 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 23,697 sqft (0.544 acres) |
| Lot Dimensions | 237 ft deep x 100 ft wide |
| Garage Area | 1,548 sqft |
| Parking Spaces | 6 Parking Spaces |
| Porch | Porch |
| Porch Area | 156 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 3944 LONE RD |
|---|---|
| City | FREELAND |
| State | MI |
| Zip | 48623-8881 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | S 100 FT OF N 361.33 FT OF W 237 FT OF NE 1/4 0.54 ACRE SEC 9 T12N R3E |
| Legal Range | 03E |
| Legal Township | 12N |
| Legal Section | 09 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | THOMAS |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 12002 |
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 Record | Company Name on Record |
|---|---|
| Mailing Address | 3944 LONE RD, FREELAND, MI 48623-8881 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Jun 22, 2026 | Deed of Trust, Mortgage · Construction Mortgage LENDINGONE |
| Jun 22, 2026 | Warranty Deed, Transfer · Construction Mortgage LENDINGONE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 22, 2026 · Amount on Record |
| Deed Sale | Jun 22, 2026 · Amount on Record |
| Prior Sale | Aug 25, 1983 · Amount on Record |
| Deed Document Number | 202616362 |
| Prior Transfer Date | Aug 25, 2010 |
| Prior Transfer Doc | 0000024401 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Jun 22, 2026 |
| Property Address | 3944 LONE RD, FREELAND, MI 48623-8881 |
| Document Number | 0000016363 |
| Instrument Date | Jun 12, 2026 |
| Instrument | 202616363 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership, 266 |
| Address | 1032 N ORR RD, HEMLOCK, MI 48626-9420 |
| Document Number | 0000016363, |
|---|---|
| Date | Jun 22, 2026 |
| Instrument | 202616363 |
| Name | LENDINGONE |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 10 Months |
| Due | Apr 1, 2027 |
| Rate Type | Balloon |
|---|---|
| Rate | 6.36% |
| Initial Type | Balloon |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Jun 22, 2026 |
| Property Address | 3944 LONE RD, FREELAND, MI 48623-8881 |
| Document Number | 0000016362 |
| Instrument Date | Jun 12, 2026 |
| Instrument | 202616362 |
| Transaction Type | Transfer |
| Record Updated | Jul 2, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $113,625.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 3944 LONE RD, FREELAND, MI 48623-8881 |
| Document Number | 0000016362, |
|---|---|
| Date | Jun 22, 2026 |
| Instrument | 202616362 |
| Name | LENDINGONE |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 10 Months |
| Due | Apr 1, 2027 |
| Rate Type | Balloon |
|---|---|
| Rate | 6.36% |
| Initial Type | Balloon |
| Max Rate | -1% |
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 | $134,800 (+10.95%) | $269,600 (+10.95%) | |
| 2025 | $3,405.00 (+19.89%) Homeowner's exemption | $121,500 (+21.87%) | $243,000 (+21.87%) |
| 2023 | $99,700 | $199,400 | |
| 2022 | $2,840.00 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 9 (1978–2022) |
| Most Recent Claim | Aug 2022 · other causes |
| Claims by Event |
|
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 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | THOMAS TOWNSHIP serves 11,931 people · EPA ID MI0006580 |
|---|---|
| Water Source | Purchased surface water from CITY OF SAGINAW |
| Last State Inspection | Jul 2023 |
| 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 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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