404 S Front St, Chesaning, MI 48616 Property Records

Saginaw County property record for 404 S Front St, Chesaning, MI 48616

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,494 sqft · built 1865
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$189,900 (Oct 2022)
Tax Bill	$3,813 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-09-3-16-0107-000`

Property Details

APN / Parcel Number

Primary APN	`13-09-3-16-0107-000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,494 sqft Living Area
1st Floor Area	1,132 sqft
Basement Area	1,132 sqft
Unfinished Basement	1,132 sqft

Exterior

Year Built	Built 1865
Effective Year Built	Effective 1865
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Area	896 sqft
Parking Spaces	4 Parking Spaces
Porch	Covered Porch
Porch Area	214 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	404 S FRONT ST
City	CHESANING
State	MI
Zip	48616-1331
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 10 BLK 3 VILLAGE OF CHESANING SEC 16 T09N R3E
Legal Range	03E
Legal Township	09N
Legal Section	16
Legal Subdivision	ORIGINAL OF VILLAGE OF CHESANI
Legal Block	3
Legal Lot Number	10
Legal Unit	10
Jurisdiction	SAGINAW MI
Township / Civil Division	CHESANING
Census Block Group	3
Census Block	3013
Census Tract	12700

Owner

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	404 S FRONT ST, CHESANING, MI 48616-1331
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2022	Warranty Deed, Transfer · Conventional Mortgage LEGEND LENDING CORP
Apr 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE 1 INC MORTGAGE 1 INC
Feb 22, 2017	Warranty Deed, Transfer · Conventional Mortgage OTHER INSTITUTIONAL LENDERS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 25, 2022 · Amount on Record
Deed Sale	Oct 25, 2022 · Amount on Record
Prior Sale	Feb 22, 2017 · Amount on Record
Deed Document Number	202227886
Prior Transfer Date	Mar 19, 2010
Prior Transfer Doc	0000007579
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Oct 25, 2022
Property Address	404 S FRONT ST, CHESANING, MI 48616-1331
Document Number	0000027886
Map Reference	LB 38 PG 296
Instrument Date	Oct 21, 2022
Instrument	2022027886
Transaction Type	Transfer
Record Updated	Nov 10, 2022
Title Company	FATIC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,425.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	404 S FRONT ST, 404, CHESANING, MI 48616-1331

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	93 18 CHESTERFIELD DRIVE, SWARTZ CREEK, MI 48473

Mortgage

Document Number	0000027944
Date	Oct 25, 2022
Instrument	2022027944

Lender

Name	LEGEND LENDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	404 S FRONT ST, CHESANING, MI 48616-1331
Document Number	0000012323
Instrument Date	Apr 27, 2020
Transaction Type	Mortgage
Record Updated	Jul 7, 2020
Title Company	ATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 S FRONT ST CHESANING MI 486161331, CHESANING, MI 48616-1331

Mortgage

Document Number	0000012323
Date	May 4, 2020
Instrument	12323

Lender

Name	MORTGAGE 1 INC MORTGAGE 1 INC
Type	Bank
Address	STERLING HEIGHTS, MI 48314

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 3, 2050

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Feb 22, 2017
Property Address	404 S FRONT ST, CHESANING, MI 48616-1331
Document Number	0000004436
Book / Page	00289 / 001303
Instrument Date	Feb 21, 2017
Instrument	4436
Transaction Type	Transfer
Record Updated	Aug 16, 2018
Title Company	MIDSTATE TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$130.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	340 E HAVEN DR OWOSSO MI 488678805, OWOSSO, MI 48867-8805

Mortgage

Document Number	4437
Date	Feb 22, 2017
Book Page	002890/001304
Instrument	4437

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Bank
Address	STERLING HEIGHTS, MI 48314

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 21, 2047

Tax Assessment & Valuation

Source: Saginaw County assessment roll, as of August 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	Chesaning Township
Municipality	Chesaning Village
Unified School District	Chesaning Union Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$90,700 (+39.75%)	$181,400 (+39.75%)
2025	$3,813.00 (+150.86%) Homeowner's exemption
2023		$64,900	$129,800
2022	$1,520.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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	2 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 93% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	VILLAGE OF CHESANING serves 2,394 people · EPA ID MI0001380
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 327 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: DayStarr.

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