Saginaw County property record for 4117 Lone Rd, Freeland, MI 48623
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,671 sqft · built 2008 |
| Lot Size | 3.23 acres (140,699 sqft) |
| Owner | Trust Name on File |
| Last Sale | $386,000 (Apr 2019) |
| Tax Bill | $6,065 (2025) |
| Deeds & Mortgages | Jun 2020 Mortgage Mar 2020 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-12-3-04-3005-015 |
| Primary APN | 28-12-3-04-3005-015 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,671 sqft Living Area |
| 1st Floor Area | 1,320 sqft |
| Basement Area | 1,320 sqft |
| Unfinished Basement | 1,320 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 140,699 sqft (3.23 acres) |
| Garage Area | 1,674 sqft |
| Parking Spaces | 6 Parking Spaces |
| Porch | Porch |
| Porch Area | 425 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4117 LONE RD |
|---|---|
| City | FREELAND |
| State | MI |
| Zip | 48623-8534 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A-1 |
| Legal Description | N 150 FT OF S 660 FT OF E 580.8 FT OF E 1/2 OF SW 1/4 ALSO COM AT S 1/4 CORN OF SEC TH N 666.07 FT TO POB TH W 655.14 FT TH N |
| Legal Range | 03E |
| Legal Township | 12N |
| Legal Section | 04 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | THOMAS |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 12002 |
4117 Lone Rd is owner-occupied and held in a trust since January 2020.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 4117 LONE RD, FREELAND, MI 48623-8534 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
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 26, 2020 | Deed of Trust, Mortgage · Conventional Mortgage DOW CHEMICAL EMPS CU |
| Mar 6, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Apr 23, 2019 | Warranty Deed, Transfer · Conventional Mortgage DOW CHEMICAL EMPS CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 23, 2019 · Amount on File |
| Deed Sale | Apr 23, 2019 · Amount on File |
| Deed Document Number | 201911898 |
| Last Transfer Date | Jan 30, 2020 |
| Transfer Doc | 0000005439 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 4117 LONE RD, FREELAND, MI 48623-8534 |
| Document Number | 0000016493 |
| Instrument Date | Jun 26, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 4117 LONE RD FREELAND MI 486238534, FREELAND, MI 48623-8534 |
| Document Number | 0000016493 |
|---|---|
| Date | Jul 1, 2020 |
| Instrument | 16493 |
| Name | DOW CHEMICAL EMPS CU |
|---|---|
| Type | Credit Union |
| Address | MIDLAND, MI 48641-1649 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jun 30, 2030 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Mar 6, 2020 |
| Property Address | 4117 LONE RD, FREELAND, MI 48623-8534 |
| Document Number | 0000005439 |
| Instrument Date | Jan 30, 2020 |
| Instrument | 5439 |
| Transaction Type | Transfer |
| Record Updated | May 29, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 4117 LONE RD FREELAND MI 486238534, FREELAND, MI 48623-8534 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Apr 23, 2019 |
| Property Address | 4117 LONE RD, FREELAND, MI 48623-8534 |
| Document Number | 0000011898 |
| Instrument Date | Apr 15, 2019 |
| Instrument | 11898 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2019 |
| Title Company | CROSSROADS TITLE AGENCY, CROSSROADS TITLE AGCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $386.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4117 LONE RD FREELAND MI 486238534, FREELAND, MI 48623-8534 |
| Document Number | 11899 |
|---|---|
| Date | Apr 23, 2019 |
| Instrument | 11899 |
| Name | DOW CHEMICAL EMPS CU |
|---|---|
| Type | Credit Union |
| Address | MIDLAND, MI 48641-1649 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Apr 22, 2039 |
The 2025 property tax bill for 4117 Lone Rd was $6,065 with a homeowner's exemption.
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | Thomas Township |
| Unified School District | Freeland Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $215,200 | $430,400 | |
| 2025 | $6,065.00 Homeowner's exemption | ||
| 2023 | $180,300 | $360,600 | |
| 2022 | $5,021.00 |
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 4117 Lone Rd in Zone X, an area of minimal flood risk, within 500 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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (2014) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2014 · rainfall accumulation |
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 4117 Lone Rd is low, with less than 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 94% of the US · lower than 85% of Michigan |
|---|---|
| Wildfire Likelihood | Under 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: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
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