403 Saganing Rd, Bentley, MI 48613 Property Records

Bay County property record for 403 Saganing Rd, Bentley, MI 48613

Property Summary

Property Type	Rural Home
Details	4 bd · 1 ba · 1,144 sqft · built 1920
Lot Size	20 acres (871,200 sqft)
Owner	Individual Name on Record
Last Sale	$309,000 (Nov 2024)
Tax Bill	$2,559 (2026)
Deeds & Mortgages	May 2017 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`060-036-100-020-00`

Property Details

APN / Parcel Number

Primary APN	`060-036-100-020-00`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,144 sqft Living Area
1st Floor Area	688 sqft
Basement Area	688 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Lot Area	871,200 sqft (20 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	403 SAGANING RD
City	BENTLEY
State	MI
Zip	48613-9629
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	E 1/2 OF NW 1/4 OF NW 1/4. SEC 36 T18N R3E LIFE ESTATE
Legal Range	03E
Legal Township	18N
Legal Section	36
Jurisdiction	BAY MI
Township / Civil Division	GIBSON
Census Block Group	1
Census Block	1054
Census Tract	286400

Owner

Source: Bay County records, as of August 18, 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	403 SAGANING RD, BENTLEY, MI 48613-9629
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 18, 2024 · Amount on Record
Deed Sale	Nov 18, 2024 · Amount on Record
Prior Sale	May 30, 2017 · Amount on Record
Deed Document Number	202413499
Record Updated	Sep 20, 2026

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	May 30, 2017
Property Address	403 SAGANING RD, BENTLEY, MI 48613-9629
Document Number	0032190117
Book / Page	003219 / 000117
Instrument Date	May 24, 2017
Transaction Type	Transfer
Record Updated	Jul 25, 2017
Title Company	DIVERSIFIED NATIONAL TITLE, DIVERSIFIED NAT'L TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$903.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7145 SARLE RD FREELAND MI 486239747, FREELAND, MI 48623-9747

Mortgage

Document Number	32190119
Date	May 30, 2017
Book Page	003219/000119

Lender

Name	FARM CREDIT SVCS
Type	Funding / Finance Company
Address	3515 WEST RD, EAST LANSING, MI 48823-7312

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 29, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Bay County assessment roll, as of May 18, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Bay County
County Subdivision	Gibson Township
Unified School District	Pinconning Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,559.00 (+74.91%) Homeowner's exemption	$82,200 (+11.99%)	$164,400 (+11.99%)
2023		$73,400	$146,800
2022	$1,463.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective February 17, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Point Broadband Fixed Wireless	1,000 / 500
Verizon Fixed Wireless	25 / 6

May also be available: AT&T, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Saganing Rd

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