418 E Belle Ave, Saint Charles, MI 48655 Property Records

Saginaw County property record for 418 E Belle Ave, Saint Charles, MI 48655

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 960 sqft · built 1950
Lot Size	0.376 acres (16,379 sqft)
Owner	Individual Name on Record
Last Sale	$54,900 (Jul 2019)
Tax Bill	$1,979 (2025)
Deeds & Mortgages	Jul 2019 Mortgage Oct 2017 Mortgage
Flood Zone	Zone AE (high risk)
APN	`24-10-3-05-0256-600`

Property Details

APN / Parcel Number

Primary APN	`24-10-3-05-0256-600`
Alternative APN	`24103050256C00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,379 sqft (0.376 acres)
Lot Dimensions	164 ft deep x 100 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	15 sqft
Deck Area	Deck Area
Patio Area	113 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	418 E BELLE AVE
City	SAINT CHARLES
State	MI
Zip	48655-1502
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 & NLY 34 FT OF LOT 7 & NLY 34 FT OF THAT PART OF LOT 2 LYING E OF MCRR R/W & THAT PART OF LOT 1 LYING E OF MCRR R/W ALL
Legal Range	03E
Legal Township	10N
Legal Section	05
Legal Subdivision	VILLAGE OF ST CHARLES
Legal Block	57
Legal Lot Number	1-2,7-8
Jurisdiction	SAGINAW MI
Township / Civil Division	ST. CHARLES
Census Block Group	3
Census Block	3031
Census Tract	12600

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	418 E BELLE AVE, SAINT CHARLES, MI 48655-1502
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2019	Deed of Trust, Mortgage · FHA Mortgage UNION HOME MORTGAGE
Oct 20, 2017	Quit Claim Deed, Mortgage · Conventional with PMI WILDFIRE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2019 · Amount on Record
Deed Sale	Jul 12, 2019 · Amount on Record
Prior Sale	Jun 9, 2006 · Amount on Record
Deed Document Number	2019202019017983
Record Updated	Oct 29, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	418 E BELLE AVE, SAINT CHARLES, MI 48655-1502
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017984
Date	Jul 12, 2019
Instrument	2019017984

Lender

Name	UNION HOME MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Aug 1, 2048

October 2017: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	SAGINAW MI
Recording Date	Oct 20, 2017
Property Address	418 E BELLE AVE, SAINT CHARLES, MI 48655-1502
Document Number	0000028608
Instrument Date	Oct 5, 2017
Instrument	28608
Transaction Type	Mortgage
Record Updated	Oct 27, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	418 E BELLE AVE ST CHARLES MI 486551502, ST CHARLES, MI 48655-1502

Mortgage

Document Number	28609
Date	Oct 20, 2017
Instrument	28609

Lender

Name	WILDFIRE CU
Type	Credit Union
Address	SAGINAW, MI 48605-3285

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	120 Months
Due	Oct 19, 2027

Tax Assessment & Valuation

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

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$50,200 (+7.26%)	$100,400 (+7.26%)
2025	$1,979.00 (+97.11%) Homeowner's exemption	$46,800 (+17.59%)	$93,600 (+17.59%)
2023		$39,800	$79,600
2022	$1,004.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	593.3 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	12 (1986–2020)
Most Recent Claim	May 2020 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2020 · 2 claims Flooding, Apr 2013 · 2 claims Severe Storms & Flooding, Sep 1986 · 7 claims

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 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 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

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 186 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

May also be available: T-Mobile.

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