4243 Gary Rd, Chesaning, MI 48616 Property Records

Saginaw County property record for 4243 Gary Rd, Chesaning, MI 48616

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,696 sqft
Lot Size	21.8 acres (953,093 sqft)
Owner	2 Individual Names on File
Last Sale	$50,000 (Oct 2015)
Tax Bill	$3,841 (2025)
Deeds & Mortgages	Dec 2018 Mortgage Mar 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-09-4-04-1005-000`

Property Details

APN / Parcel Number

Primary APN	`20-09-4-04-1005-000`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,696 sqft Living Area
1st Floor Area	1,696 sqft
Basement Area	768 sqft

Exterior

Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	953,093 sqft (21.8 acres)
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	126 sqft
Deck Area	Deck Area
Patio Area	54 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4243 GARY RD
City	CHESANING
State	MI
Zip	48616-9473
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT NE CORN OF SEC TH S 777.24 FT TH W 260 FT TO POB TH S 200 FT TH W 1240.63 FT TH N 976.03 FT TH E 956.47 FT TH S 394 FT
Legal Range	04E
Legal Township	09N
Legal Section	04
Jurisdiction	SAGINAW MI
Township / Civil Division	MAPLE GROVE
Census Block Group	3
Census Block	3024
Census Tract	12900

Owner

4243 Gary Rd is owned and occupied by two individuals who bought it in October 2015.

Source: Saginaw County records, as of August 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4243 GARY RD, CHESANING, MI 48616-9473
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2018	Deed of Trust, Mortgage · Balloon Mortgage PNC BANK NA
Mar 26, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance PNC BANK NA
Feb 25, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 2015 · Amount on File
Deed Sale	Oct 9, 2015 · Amount on File
Prior Sale	Nov 9, 2000 · Amount on File
Deed Document Number	201528811
Deed Book / Page	2833 / 69
Record Updated	Oct 29, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	4243 GARY RD, CHESANING, MI 48616-9473
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031726
Date	Dec 21, 2018
Instrument	2018031726

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	4243 GARY RD, CHESANING, MI 48616-9473
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005952
Date	Mar 26, 2019
Instrument	2019005952

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	4243 GARY RD, CHESANING, MI 48616-9473
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004292
Date	Feb 25, 2020
Instrument	2020004292

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 4243 Gary Rd was $3,841 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	Maple Grove Township
Unified School District	New Lothrop Area Public School (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$177,700	$355,400
2025	$3,841.00 Homeowner's exemption
2023		$147,900	$295,800
2022	$3,148.00

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

Flood

FEMA maps place 4243 Gary 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 Policies	2 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

Wildfire risk around 4243 Gary Rd is low, with 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
Brightspeed DSL	10 / 1

Cell Coverage

5G (outdoors only) and 4G LTE

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