Saginaw County property record for 400 E North St, Saint Charles, MI 48655
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,872 sqft · built 1889 |
| Lot Size | 0.489 acres (21,301 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $65,000 (Dec 2009) |
| Tax Bill | $2,491 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 24-10-3-05-0752-001 |
| Primary APN | 24-10-3-05-0752-001 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 1,872 sqft Living Area |
| 1st Floor Area | 936 sqft |
| Basement Area | 936 sqft |
| Unfinished Basement | 936 sqft |
| Year Built | Built 1889 |
|---|---|
| Effective Year Built | Effective 1889 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 21,301 sqft (0.489 acres) |
| Lot Dimensions | 82.5 ft deep x 258 ft wide |
| Porch | Covered Porch |
| Porch Area | 496 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 324 E NORTH ST |
|---|---|
| City | SAINT CHARLES |
| State | MI |
| Zip | 48655-1148 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THAT PART OF LOT 1 LYING W OF MCRR RT OF WAY ALSO LOT 2 BLK 8 VILLAGE OF N ST CHARLES ALSO COM AT NW COR OF S1/2 OF NE 1/4 OF |
| Legal Range | 03E |
| Legal Township | 10N |
| Legal Section | 05 |
| Legal Subdivision | NORTH ST CHARLES SUB BLK 8 & P |
| Legal Block | 8 |
| Legal Lot Number | 1-2 |
| Legal Unit | 1-2 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 12600 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | PO BOX 62, SAINT CHARLES, MI 48655-0062 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 7, 2009 · Amount on Record |
| Deed Sale | Dec 7, 2009 · Amount on Record |
| Prior Sale | Dec 22, 2006 · Amount on Record |
| Deed Document Number | 200933263 |
| Deed Book / Page | 2560 / 931 |
| Last Transfer Date | Feb 12, 2010 |
| Transfer Doc | 0000003484 |
| Record Updated | Oct 29, 2026 |
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | St. Charles Township |
| Municipality | St. Charles Village |
| Unified School District | St. Charles Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $76,400 (+28.62%) | $152,800 (+28.62%) | |
| 2025 | $2,491.00 (+33.49%) Homeowner's exemption | ||
| 2023 | $59,400 | $118,800 | |
| 2022 | $1,866.00 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 15 policies |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 6 (1986–2013) |
| Claims Outside the SFHA | 1 of 6 |
| Most Recent Claim | Apr 2013 · Flooding |
| 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 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | VILLAGE OF ST. CHARLES serves 2,054 people · EPA ID MI0006260 |
|---|---|
| Water Source | Purchased surface water from CITY OF SAGINAW |
| Last State Inspection | Jul 2024 |
| Lead | 3 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 147 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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