Saginaw County property record for 3960 Lone Rd, Freeland, MI 48623
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,701 sqft · built 1983 |
| Lot Size | 0.544 acres (23,697 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $5,600 (Feb 1981) |
| Tax Bill | $3,177 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-12-3-09-1048-000 |
| Primary APN | 28-12-3-09-1048-000 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,701 sqft Living Area |
| 1st Floor Area | 1,656 sqft |
| Basement Area | 1,344 sqft |
| Unfinished Basement | 1,344 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Raised Ranch |
| Exterior Material | Wood Siding |
| Foundation Type | No Foundation |
| 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 | 676 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 42 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 3960 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 261.33 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 |
3960 Lone Rd is owned and occupied by two individuals who bought it in February 1981.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3960 LONE RD, FREELAND, MI 48623-8881 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 26, 1981 · Amount on File |
| Deed Sale | Feb 26, 1981 · Amount on File |
| Deed Book / Page | 1595 / 2170 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 3960 Lone Rd was $3,177 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 | $126,300 | $252,600 | |
| 2025 | $3,177.00 Homeowner's exemption | ||
| 2023 | $92,300 | $184,600 | |
| 2022 | $2,651.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3960 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 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.
Wildfire risk around 3960 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: 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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