Saginaw County property record for 415 S River Rd, Saginaw, MI 48609
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,488 sqft · built 1930 |
| Lot Size | 1.5 acres (65,340 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $143,300 (Aug 2004) |
| Tax Bill | $2,268 (2025) |
| Deeds & Mortgages | Aug 2023 Mortgage Jan 2022 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 28-12-4-30-3042-001 |
| Primary APN | 28-12-4-30-3042-001 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,488 sqft Living Area |
| 1st Floor Area | 1,208 sqft |
| Basement Area | 1,120 sqft |
| Unfinished Basement | 1,120 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 65,340 sqft (1.5 acres) |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 192 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 415 S RIVER RD |
|---|---|
| City | SAGINAW |
| State | MI |
| Zip | 48609-6845 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1/R-2 |
| Legal Description | S 198 FT OF W 330 FT OF THAT PT OF SW 1/4 LYING N OF A LINE PERP TO W SEC LINE AT A PT 1271.7 FT S OF W 1/4 POST 1.50 ACRES |
| Legal Range | 04E |
| Legal Township | 12N |
| Legal Section | 30 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | THOMAS |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 12001 |
415 S River Rd is owned and occupied by two individuals who bought it in August 2004.
Source: Saginaw County records, as of August 21, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 415 S RIVER RD, SAGINAW, MI 48609-6845 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 9, 2023 | Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK |
| Jan 13, 2022 | Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE |
| Dec 23, 2019 | Loan Modification, Mortgage MIDFIRST BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 16, 2004 · Amount on File |
| Deed Sale | Aug 16, 2004 · Amount on File |
| Prior Sale | Jul 22, 2004 · Amount on File |
| Deed Document Number | 20047223573 |
| Deed Book / Page | 2284 / 33 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 415 S RIVER RD, SAGINAW, MI 48609-6845 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 415 S RIVER RD, SAGINAW, MI 48609-6845 |
| Document Number | 0000017877 |
|---|---|
| Date | Aug 9, 2023 |
| Instrument | 2023017877 |
| Name | MIDFIRST BANK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 341 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 415 S RIVER RD, SAGINAW, MI 48609-6845 |
| Transaction Type | Mortgage |
| Record Updated | Jan 24, 2022 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 415 S RIVER RD, SAGINAW, MI 48609-6845 |
| Document Number | 0000001321 |
|---|---|
| Date | Jan 13, 2022 |
| Instrument | 2022001321 |
| Name | MIDLAND MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2052 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 415 S RIVER RD, SAGINAW, MI 48609-6845 |
| Document Number | 0000002936 |
| Instrument Date | Dec 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 415 S RIVER RD SAGINAW MI 486096845, SAGINAW, MI 48609-6845 |
| Document Number | 0000002936 |
|---|---|
| Date | Feb 6, 2020 |
| Instrument | 2936 |
| Name | MIDFIRST BK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Feb 5, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4% |
The 2025 property tax bill for 415 S River Rd was $2,268 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 | Swan Valley School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $89,500 | $179,000 | |
| 2025 | $2,268.00 Homeowner's exemption | ||
| 2023 | $64,100 | $128,200 | |
| 2022 | $1,978.00 |
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 415 S River Rd in Zone X, an area of moderate 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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| 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 34 policies |
| Nearby Flood Policies | 34 in force |
| Nearby Flood Claims | 44 (1986–2026) |
| Claims Outside the SFHA | 4 of 44 |
| Most Recent Claim | Apr 2026 · Severe Storms, Tornadoes, And 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 415 S River 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 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | THOMAS TOWNSHIP serves 11,931 people · EPA ID MI0006580 |
|---|---|
| Water Source | Purchased surface water from CITY OF SAGINAW |
| Last State Inspection | Jul 2023 |
| Lead | 2 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 99 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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