Saginaw County property record for 4140 S Gera Rd, Frankenmuth, MI 48734
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 2 ba · 2,332 sqft · built 1900 |
| Lot Size | 3.68 acres (160,301 sqft) |
| Owner | Individual Name on File |
| Last Sale | $283,000 (Jun 2026) |
| Tax Bill | $4,983 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Jun 2026 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-11-6-15-1001-002 |
| Primary APN | 14-11-6-15-1001-002 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,332 sqft Living Area |
| 1st Floor Area | 1,628 sqft |
| Basement Area | 1,604 sqft |
| Unfinished Basement | 1,604 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 160,301 sqft (3.68 acres) |
| Garage Area | 900 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 380 sqft |
| Total Buildings | 2 Buildings |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 4140 S GERA RD |
|---|---|
| City | FRANKENMUTH |
| State | MI |
| Zip | 48734-9161 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S 400 FT OF N 900 FT OF E 400 FT OF NE 1/4 3.68 ACRES SEC 15 T11N R6E |
| Legal Range | 06E |
| Legal Township | 11N |
| Legal Section | 15 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | FRANKENMUTH |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 11302 |
4140 S Gera Rd is owned and occupied by an individual who bought it in June 2026.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4140 S GERA RD, FRANKENMUTH, MI 48734-9161 |
| 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 4, 2026 | Warranty Deed, Transfer · Conventional Mortgage NONE LISTED ON DOCUMENT |
| Jun 3, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT |
| Jun 4, 2026 | Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL |
| Apr 25, 2019 | Deed of Trust, Mortgage · VA Mortgage NORTH AMERICAN SAVINGS BANK FSB |
| Dec 30, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 4, 2026 · Amount on File |
| Deed Sale | Jun 4, 2026 · Amount on File |
| Deed Document Number | 202614859 |
| Prior Transfer Date | Aug 2, 2016 |
| Prior Transfer Doc | 0000021567 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Jun 4, 2026 |
| Property Address | 4140 S GERA RD, FRANKENMUTH, MI 48734-9161 |
| Document Number | 0000014859 |
| Instrument Date | May 29, 2026 |
| Instrument | 202614859 |
| Transaction Type | Transfer |
| Record Updated | Jun 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $214,372.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4140 S GERA RD, FRANKENMUTH, MI 48734-9161 |
| Document Number | 0000014694, |
|---|---|
| Date | Jun 4, 2026 |
| Instrument | 202614694 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.23% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Jun 3, 2026 |
| Property Address | 4140 S GERA RD, FRANKENMUTH, MI 48734-9161 |
| Document Number | 0000014694 |
| Instrument Date | May 29, 2026 |
| Instrument | 202614694 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3585 CREEKWOOD DR, SAGINAW, MI 48601-5604 |
| Document Number | 0000014694, |
|---|---|
| Date | Jun 3, 2026 |
| Instrument | 202614694 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Jun 4, 2026 |
| Property Address | 4140 S GERA RD, FRANKENMUTH, MI 48734-9161 |
| Document Number | 0000014859 |
| Instrument Date | May 29, 2026 |
| Instrument | 202614859 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $214,372.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4140 S GERA RD, FRANKENMUTH, MI 48734-9161 |
| Document Number | 0000014694, |
|---|---|
| Date | Jun 4, 2026 |
| Instrument | 202614694 |
| Name | CARDINAL FINANCIAL |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 4140 S GERA RD, FRANKENMUTH, MI 48734-9161 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000012128 |
|---|---|
| Date | Apr 25, 2019 |
| Instrument | 2019012128 |
| Name | NORTH AMERICAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | May 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 4140 S GERA RD, FRANKENMUTH, MI 48734-9161 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000031553 |
|---|---|
| Date | Dec 30, 2019 |
| Instrument | 2019031553 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | Jan 1, 2049 |
The 2025 property tax bill for 4140 S Gera Rd was $4,983 with a homeowner's exemption.
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | Frankenmuth Township |
| Unified School District | Frankenmuth School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $193,900 (+1.36%) | $387,800 (+1.36%) | |
| 2025 | $4,983.00 Homeowner's exemption | $191,300 | $382,600 |
| 2023 | $168,300 | $336,600 | |
| 2022 | $3,643.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4140 S Gera Rd in Zone X, an area of minimal flood risk.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 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 risk around 4140 S Gera 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 99.1% of the US · lower than 98.4% 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.
Source: FCC Broadband Data Collection, based on 15 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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