400 E Gloucester Dr, Saginaw, MI 48609 Property Records

Saginaw County property record for 400 E Gloucester Dr, Saginaw, MI 48609

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 2,426 sqft · built 1961
Lot Size	0.275 acres (11,979 sqft)
Owner	2 Individual Names on File
Last Sale	$168,000 (May 2022)
Tax Bill	$933 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-12-3-27-4165-000`

Property Details

APN / Parcel Number

Primary APN	`28-12-3-27-4165-000`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,426 sqft Living Area
1st Floor Area	1,832 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Bi-Level
Exterior Material	Wood Siding
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,979 sqft (0.275 acres)
Lot Dimensions	120 ft deep x 100 ft wide
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	35 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	400 E GLOUCESTER DR
City	SAGINAW
State	MI
Zip	48609-9302
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 64 GRATIOT ROAD SUB-DIV.NO.1 A PART OF E 1/2 OF SE 1/4 SEC 27 T12N R3E
Legal Range	03E
Legal Township	12N
Legal Section	27
Legal Subdivision	GRATIOT ROAD SUBDIVISION #1
Legal Lot Number	64
Legal Unit	64
Jurisdiction	SAGINAW MI
Township / Civil Division	THOMAS
Census Block Group	3
Census Block	3029
Census Tract	12003

Owner

Source: Saginaw County records · APN 28-12-3-27-4165-000

Assessment roll updated September 9, 2025 · Last verified July 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	400 E GLOUCESTER DR, SAGINAW, MI 48609-9302
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 03, 2022 · Amount on Record
Deed Sale	May 03, 2022 · Amount on Record
Deed Document Number	202213600
Prior Transfer Date	Feb 15, 2011
Prior Transfer Doc	0000004118
Record Updated	Sep 20, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	May 03, 2022
Property Address	400 E GLOUCESTER DR, SAGINAW, MI 48609-9302
Document Number	0000013600
Map Reference	LB 8 PG 22
Instrument Date	May 02, 2022
Instrument	2022013600
Transaction Type	Transfer
Record Updated	May 16, 2022
Title Company	HOMELAND TITLE, HOMELAND TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,260.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	534 TULANE ST, 534, SAGINAW, MI 48604-2249

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	534 TULANE ST, SAGINAW, MI 48604-2249

Mortgage

Document Number	0000013601
Date	May 03, 2022
Instrument	2022013601

Lender

Name	KAYE FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2052

Tax Assessment & Valuation

Source: Saginaw County records · Assessment roll updated September 9, 2025 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	Thomas Township
Unified School District	Swan Valley School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$102,500 (+18.63%)	$205,000 (+18.63%)
2025	$933.00 (-63.4%) Homeowner's exemption
2023		$86,400	$172,800
2022	$2,549.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 29, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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	1 in force
Nearby Flood Claims	1 (1986)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 1986 · Severe Storms & Flooding

Wildfire

Wildfire Risk	Low lower than 97% of the US · lower than 93% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T.

Based on FCC filings for 89 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	THOMAS TOWNSHIP serves 11,931 people
Water Source	Purchased surface water from CITY OF SAGINAW
Last State Inspection	Jul 2023
Lead	2 ppb (2024) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.