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4285 Lone Rd, Freeland, MI 48623 Property Records

Saginaw County property record for 4285 Lone Rd, Freeland, MI 48623

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,771 sqft · built 1996
Lot Size4.71 acres (205,168 sqft)
Owner2 Individual Names on Record
Last Sale$375,000 (Jun 2023)
Tax Bill$5,504 (2025)
Deeds & MortgagesApr 2026 Transfer
Jun 2023 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN28-12-3-04-3005-008

Property Details

APN / Parcel Number

Primary APN28-12-3-04-3005-008

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area1,771 sqft Living Area
1st Floor Area1,771 sqft
Basement Area1,404 sqft
Unfinished Basement1,404 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1996
Effective Year BuiltEffective 1996
Architectural StyleRaised Ranch
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area205,168 sqft (4.71 acres)
Garage Area600 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchCovered Porch
Porch Area172 sqft
Deck AreaDeck Area
Patio Area278 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Street Address4285 LONE RD
CityFREELAND
StateMI
Zip48623-8509
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeA-1
Legal DescriptionCOM AT S 1/4 CORN TH N 1332.04 FT TO POB TH W 655.24 FT TH N 312.91 FT TH E 655.29 FT TH S 313.11 FT TO POB 4.71 ACRES SEC 4
Legal Range03E
Legal Township12N
Legal Section04
JurisdictionSAGINAW MI
Township / Civil DivisionTHOMAS
Census Block Group2
Census Block2000
Census Tract12002

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 Record2 Individual Names on Record
Mailing Address4285 LONE RD, FREELAND, MI 48623-8509
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
Apr 30, 2026Quit Claim Deed, Transfer
NONE LISTED ON DOCUMENT
Jun 6, 2023Warranty Deed, Transfer · Conventional Mortgage
FIRST STATE BANK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 6, 2023 · Amount on Record
Deed SaleJun 6, 2023 · Amount on Record
Prior SaleJul 27, 2010 · Amount on Record
Deed Document Number202313555
Prior Transfer DateMar 3, 2011
Prior Transfer Doc0000005316
Record UpdatedOct 29, 2026

April 2026: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSAGINAW MI
Recording DateApr 30, 2026
Property Address4285 LONE RD, FREELAND, MI 48623-8509
Document Number0000011912
Instrument DateApr 14, 2026
Instrument202611912
Transaction TypeTransfer
Record UpdatedAug 28, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Estate
Address4285 LONE RD, FREELAND, MI 48623-8509

June 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSAGINAW MI
Recording DateJun 6, 2023
Property Address4285 LONE RD, FREELAND, MI 48623-8509
Document Number0000013555
Instrument DateJun 6, 2023
Instrument2023013555
Transaction TypeTransfer
Record UpdatedJun 26, 2023
Title CompanyTITLE RESOURCE AGENCY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,812.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4285 LONE RD, FREELAND, MI 48623-8509

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address5128 OLD BARN LN # MB, MB, CLIO, MI 48420-8279

Mortgage

Document Number0000013556
DateJun 6, 2023
Instrument2023013556
Lender
NameFIRST STATE BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 1, 2053

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMichigan
CountySaginaw County
County SubdivisionThomas Township
Unified School DistrictFreeland Community School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$176,100 (+13.17%)$352,200 (+13.17%)
2025$5,504.00 (+57.17%) Homeowner's exemption$155,600 (+18.15%)$311,200 (+18.15%)
2023$131,700 (+6.81%)$263,400 (+6.81%)
2022$3,502.00 (+14.63%) Homeowner's exemption$123,300$246,600
2021$3,055.00

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.

Flood

Source: FEMA National Flood Hazard Layer, effective March 29, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayYes
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired
federally backed loans
Nearby Flood Claims1 (2014)
Claims Outside the SFHA1 of 1
Most Recent ClaimSep 2014 · rainfall accumulation

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 RiskLow
lower than 94% of the US · lower than 85% of Michigan
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
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 22 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 50

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