4232 N River Rd, Freeland, MI 48623 Property Records

Saginaw County property record for 4232 N River Rd, Freeland, MI 48623

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,016 sqft · built 1985
Lot Size	0.861 acres (37,505 sqft)
Owner	Company Name on Record
Tax Bill	$3,778 (2025)
Flood Zone	Zone AE (high risk)
APN	`28-12-3-03-4017-000`

Property Details

APN / Parcel Number

Primary APN	`28-12-3-03-4017-000`

Interior

Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,016 sqft Living Area
1st Floor Area	1,232 sqft
Basement Area	1,232 sqft
Unfinished Basement	1,232 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	37,505 sqft (0.861 acres)
Lot Dimensions	245 ft deep x 153 ft wide
Garage Area	874 sqft
Parking Spaces	3 Parking Spaces
Porch	Covered Porch
Porch Area	150 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	4232 N RIVER RD
City	FREELAND
State	MI
Zip	48623-8889
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-2
Legal Description	COM AT INTERSECTION OF RIVER RD & S 1/8 LINE OF SEC 3 TH N LY ALONG SD C/L 150 FT TH E LY PAR TO SD S 1/8 LINE 233 FT TH SW
Legal Range	03E
Legal Township	12N
Legal Section	03
Jurisdiction	SAGINAW MI
Township / Civil Division	THOMAS
Census Block Group	1
Census Block	1004
Census Tract	12002

Owner

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	Company Name on Record
Mailing Address	4232 N RIVER RD, FREELAND, MI 48623-8889
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 10, 2007
Deed Sale	Apr 10, 2007
Prior Sale	May 23, 1984 · Amount on Record
Deed Book / Page	2434 / 1212
Record Updated	Oct 29, 2026

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	Thomas Township
Unified School District	Freeland Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$169,100 (+38.61%)	$338,200 (+38.61%)
2025	$3,778.00 (+20.32%) Homeowner's exemption
2023		$122,000	$244,000
2022	$3,140.00

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	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	3 in force
Nearby Flood Claims	9 (1978–2022)
Most Recent Claim	Aug 2022 · other causes
Claims by Event	Severe Storms And Flooding, May 2020 · 3 claims Severe Storms & Flooding, Sep 1986 · 3 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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 85 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
Starlink Satellite	280 / 30