Saginaw County property record for 410 Coal St, Saint Charles, MI 48655
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,040 sqft · built 1948 |
| Lot Size | 0.119 acres (5,184 sqft) |
| Owner | Individual Name on File |
| Last Sale | $79,500 (Jun 2021) |
| Tax Bill | $1,770 (2025) |
| Deeds & Mortgages | Jun 2021 Sale & Mortgage Oct 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-10-3-08-0839-700 |
| Primary APN | 24-10-3-08-0839-700 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,040 sqft Living Area |
| 1st Floor Area | 1,040 sqft |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,184 sqft (0.119 acres) |
| Lot Dimensions | 100 ft deep x 52 ft wide |
| Porch | Porch |
| Porch Area | 36 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 410 COAL ST |
|---|---|
| City | SAINT CHARLES |
| State | MI |
| Zip | 48655-1838 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 13 & PART OF LOT 14 DESC AS BEG AT NE CORN OF LOT 14 TH SWLY 102.32 FT TO A PT ON S LINE OF SD LOT WHICH IS 23.50 FT E OF |
| Legal Range | 03E |
| Legal Township | 10N |
| Legal Section | 08 |
| Legal Subdivision | PARSONS ADDN |
| Legal Block | 5 |
| Legal Lot Number | 13-14 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 2 |
| Census Block | 2038 |
| Census Tract | 12600 |
410 Coal St is owned and occupied by an individual who bought it in June 2021.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 410 COAL ST, SAINT CHARLES, MI 48655-1838 |
| 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.
| Date | Document |
|---|---|
| Jun 15, 2021 | Warranty Deed, Transfer · Conventional Mortgage MID-AMERICAN MORTGAGE INC |
| Oct 22, 2019 | Warranty Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 15, 2021 · Amount on File |
| Deed Sale | Jun 15, 2021 · Amount on File |
| Prior Sale | Oct 22, 2019 · Amount on File |
| Deed Document Number | 202121368 |
| Prior Transfer Date | Oct 20, 2011 |
| Prior Transfer Doc | 0000019789 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Jun 15, 2021 |
| Property Address | 410 COAL ST, SAINT CHARLES, MI 48655-1838 |
| Document Number | 2021021368 |
| Instrument Date | Jun 1, 2021 |
| Instrument | 2021021368 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2021 |
| Title Company | MASON BURGESS TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $596.25 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 410 COAL ST, SAINT CHARLES, MI 48655-1838 |
| Document Number | 2021021369 |
|---|---|
| Date | Jun 15, 2021 |
| Instrument | 2021021369 |
| Name | MID-AMERICAN MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Oct 22, 2019 |
| Property Address | 410 COAL ST, SAINT CHARLES, MI 48655-1838 |
| Document Number | 0000026141 |
| Instrument Date | Oct 21, 2019 |
| Instrument | 26141 |
| Transaction Type | Transfer |
| Record Updated | Nov 5, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $57.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 620 W WALNUT ST ST CHARLES MI 486551265, ST CHARLES, MI 48655-1265 |
The 2025 property tax bill for 410 Coal St was $1,770 with a homeowner's exemption.
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 | $41,700 (+11.2%) | $83,400 (+11.2%) | |
| 2025 | $1,770.00 Homeowner's exemption | $37,500 | $75,000 |
| 2023 | $33,200 | $66,400 | |
| 2022 | $886.00 |
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.
FEMA maps place 410 Coal St in Zone X, an area of minimal flood risk, within 100 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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 410 Coal St is low, with 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 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 170 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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